As an expert in consumer debt solutions, I am amazed at the number of competing offers that can be found today on the Internet, TV, and the radio today. It is great to see so many options to get help with debts and out of financial hardships. However, if you are thinking about using a debt settlement reduction company for help settling credit card debt, how do you know how to find a debt management company that is reputable, honest, trustworthy, will save you money, and won't rip you off? I want to shed some light on what is and what is not possible with consumer credit services.

First, it is NOT possible to save money on all types of debts. Debt settlement reduction programs work best on settling credit card debts and consumer credit help with unsecured loans. If you have car loans or home loans, these should not be included in a debt settlement reduction program.

Second, it is NOT for everyone. If you owe less than $5,000 in debt, it really doesn't make sense.

Third, you may only save 50-60% with debt settlement reduction depending on the types of creditors you have, how delinquent the debts are, what state you live in, what type of purchases the debts were for, and your current financial situation. Yet, with that said, I've had reports from USA and Canada of savings as much as 89% on credit card debts. You will still have to pay something to the creditors, but your bill would likely be cut in half to one third of what it is right now.

Fourth, in my review of some of the consumer credit services recommended by non-experts, some actually caused people worse financial hardship and forced them to file bankruptcy, which is the worst possible mark for a person's credit standing.

I evaluated 17 of the top consumer credit services based on the following criteria:

• Reputable, knowledgeable and organized staff.
• Written guarantee for overall estimated savings.
• Affordable for the average person needing help with debts.
• Secure website.
• Large amount of savings.
• Work with 99% of creditors, and especially the tougher creditors like Citibank.
• Has successfully negotiated millions of dollars of consumer and small business debt settlement.
• Fastest completion times.
• Helps protect your credit standing.
• Member of the Chamber of Commerce in good standing.
• Member of TASC - The Association Of Settlement Companies.
• Member of IAPDA - International Association of Professional Debt Arbitrators.
• Customer satisfaction in consumer credit help and response times.
• You get to speak with your consumer credit services debt negotiator whenever you want.
• Flexible program based on what you have available on a monthly basis.

Below, I give you recommendations of the top three consumer credit services that I have tested based on all of the criteria above.

Knowledge is power, and even if you are not an expert in debt settlement reduction, I believe you can save money!

Get Out Of Debt Course

As soon as you get started with saving money with, let me know (info@bestconsumernewsandreviews.com), and I congratulate you because each person who gets help with debts is contributing to building a better America.