Question

The Federal Trade Commission found that people who reported having more debt than they could handle were more likely to be victims of consumer fraud involving:
Dishonest prize promotions
Credit repair and debt consolidation
Nonexistent foreign lotteries
Fraudulent work-at-home programs

Answer 1

Credit repair and debt consolidation.

The FTC found people who reported having more debt than they could handle were more likely to fall victim to scams offering credit repair or debt‑consolidation services (they seek help and scammers exploit that).