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Ever wonder where debt comes from? The Bad Credit Baby wonders. He stares and drools and reaches to all things about debt, and the various means of debt help. Hes a curious baby on the road of discovery, and we're going right along, learning everything he learns. Today, the Baby finds out a few things about debt settlement companies he just didn't want to hear - bad people do exist in the world, and they will do anything to make a quick buck at your expense. But don't let that get you down, because the baby winds up in the lands of debt relief! Where he can finally say "Wow! I'm a big kid now."