The Federal Trade Commission has reached a settlement with allegedly rogue credit counseling firms, which the agency claimed used trickery to bilk credit-strapped borrowers out of millions of dollars while forcing some into bankruptcy. “The FTC is committed to ridding the debt services industry of companies that shatter consumer confidence and hurt legitimate businesses’ ability to help consumers,” said Lydia Parnes, the acting director of the FTC’s bureau of consumer protection, announcing a combined…