A financial coach is warning against the promises of debt elimination advertised on radio and television.

Connie Unruh with the DeWitt County TRIAD indicates debt relief companies charge a fee to negotiate lower rates with credit card companies but are not as successful as they once were.

Unruh says individuals can fix debt problems themselves for cheaper with the help of a financial coach. Research shows those who use a debt relief company end up owing more.

Unruh reminds setting up an emergency fund is essential before you start eliminating debt. She says never use credit for emergencies.

To signup for financial coaching, contact Connie Unruh at First National Bank in Clinton at (217) 935-7464. The coaching is provided for free and is confidential.