Stupidest thing that you can do honestly, what did you expect that you're like those other people that was able to gamble away all of their money and win to payback their debts? That's probably the easiest mistake that you can avoid but it's funny to me that there's still some people that are falling for this kind of trick, I guess when you're so desperate you don't think right and you're moving and deciding things too fast because you feel like it's the end of the world for you so you take the riskiest but the shortest route to getting out of debt, it's sad but you can't be too soft on people that commit these mistakes, they're probably in too deep and they know that they have to get into it.