I have a great debt settlement company, that has done outstanding work on my behalf, as well as for most people that hook up with them. I haven't spoken to a collector yet, that hasn't used shady, if not downright illegal tactics in trying to get paid. It's nice to have a legitimate company working for you, that can guide you through all the BS. The collectors don't like settlement companies, because they know they will be dealing with informed clients that have been informed of their rights, and can't be bullied or initimidated.