If you’re like a lot of Americans, you spent a lot this holiday season and you might be in the mood to tackle your debt in the New Year. Getting yourself out of debt takes time and discipline. Be wary of offers of guaranteed quick fixes.

Con artists prey on consumer’s frustration over finances by offering the keys to getting your finances in order. These offers usually involve up-front fees, bad advice like stopping communication with your creditors and vague details on what services they actually provide. If you need help getting out of debt, turn to an organization like the nonprofit National Foundation for Credit Counseling.

Be a fraud fighter! If you can spot a scam, you can stop a scam.

Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at www.aarp.org/fraudwatchnetwork.