If you happen to be a simple average Internet user that also has at least one e-mail address. Maybe sometime in the past you have filled in a form or two.... maybe you somehow left your e-mail address on the Internet for automatic programs to pick up. In some way you might have let your address be available for people who spam. Many of those spam e-mails you get will likely be on one major topic that is so close to many peoples lives today.
Though spam e-mails happen to be focused on debt consolidation. Yes, spammers are simply out to do your business if you happen to be one of those many people having debt problems. The debt consolidation industry happens to be a very big industry because so many people have found themselves deeply in debt. Those high interest rates have put them in such a fine financially that they are having a hard time making ends meet. They look for a way to make their burden lighter through consolidation. Some people that get these spam e-mails actually respond. Even if fraction of a percent of these e-mails get response, they will have been profitable.
However, it's too bad that many people think consolidating their debt is the only way to go. For some people, it will definitely work. For others, they will eventually see that this false sense of security of having their finances in control after consolidating debt will lead them to further financial problems.
As this article, Getting a Loan to Consolidate Bills , talks about, some problems may be created by the good feeling of having only one payment to make. I have seen this with a friend of mine. It's possible to feel so good about making that one payment to pay off your debt that you start using your credit cards again and creating even more debt. Eventually someone without any willpower for avoiding the act of purchasing things they desire using their credit cards will develop even more debt to do with.
Therefore, there are alternatives to consolidating a person's debt. It can be done.