If you know a friend or relative that is having financial problems, it may be difficult for you to directly tell them their finances are messed up. One easy way to help them is to send them a free report called 21 Ways to Avoid Debt. You can say something like: This report was very informative to me. I thought that you might want to read it also. To download your free report go to www.tiredofbillcollectors.com. Go to the products section, click on 21 Way to Avoid Debt and hit the download button. Then send it to your friend or relative.