There are few things that frustrate me more than seeing someone being taking advantage of. Often when people have money troubles and don't have a strong financial foundation they become targets for the appropriately named, predatory lenders.

Being caught in a cycle of bridge loans, payday loans and quick-cash loans with high interest rates, penalties and fees - some as high as 50 percent can be enough to put anyone under; but if you're already starting at the bottom you'll literally get buried in debt.

If you've ever been caught in the vicious cycle there's a company that's answering your "SOS" and is sending help your way with a "rescue loan" the concept is simple yet profound.

First, participating families must take a six-week financial literacy course that teaches participants about managing personal finances, dealing with loans and repairing bad credit. Then, Family Services Inc., a Billings Montana based company will give them a loan to pay off their lenders. The families repay Family Service at no interest and more importantly get money lessons that will last a lifetime.