Why Do I Pay My Taxes and My Bills?

Why do I bother to pay my taxes? Why do I get my bills paid on time?

I ask myself these questions every time I hear or see one of those ads that purport to be able to settle your IRS or creditor debts for pennies on the dollar. If these ads are to be believed, I should just ignore my taxes and max-out all my credit cards, then get these guys to settle my accounts for a fraction of what I owe.