Most people will opt to hire debt Settlement Company because beside faster negotiation
these companies can also negotiate higher reduction on the debts of course they will have to charge you for their services. It is imperative to find a good company to help you settle your bad debt. One good indication that you are dealing with a good company is if they are registered to the Better Business Bureau (BBB). Any information you want to know about the company you can find in the BBB. You also need to consider the longevity of the company's existence. Most fly by night companies are only been there for a short time, the longer the company's history the bigger the chance that they are legitimate. Some debt settlement company will not charge you until they reach settlement with the bank so look for those type of company that guarantees results first before charging you anything.