Across the country, while expenses are rising, incomes have been dropping and at the same time credit card companies are offering more credit (and increasing interest rates and payments) to people already deep in debt.
The good news is that there are solutions in the form of debt consolidation, debt settlement, do-it-yourself, or loans (when used properly to eliminate very high interest rate debts and be able to pay back at lower interest rates).
When deciding what program to go with, these are two of the most important factors to consider:
Cost - How much will the new solution save you? For example, the best debt negotiation companies get paid based on a percentage of what they save you.
Reliability - Have these solutions worked for others? Is the company one you can trust?
The following are reviews of three of the top companies for debt settlement, do-it-yourself or loans. I hope that these reviews will be helpful on your quest to be debt-free.