Best or Worst Debt Settlement Company

Its hard to say who is the best because it would be a matter of opinion. I would suggest you check the settlement company out with the BBB. The BBB's rating system is biased against settlement but you can still get an idea if they have a pattern or unanswered complaints. Also see if the settlement company is a member of TASC or USOBA. These trade association's goals are to promote good practice in the debt settlement industry, protect the interests of consumer debtors, and lobby on behalf of debt settlement companies on the federal and state level. Keep in mind that just because a company paid membership dues to places like BBB , USOBA , or TASC doesn't necessarily make them legit but can be a pretty good indicator of a sound company.
Have you considered just settling the debt on your own since you said you already did it on that one account ?

yes today I have thought about doing it on my own, my me and my husband actually taking that $$ and putting it aside would be tough for us. Easily to get into. Especially if something would come up and we would need that money,,, i just don't know yet.

Don't deal with GHS solutions. That company has 2700. of my money and hasn't done shit for us. No bills paid, no creditors called. I'm in worse shape than I was 6 mos. ago. Then my bills werent delinquent and no collections were ringing my phone off the hook. I canceled with them a month and a half ago, still no return of my money. Have filed complaints with BBB, Att. General,TASC, USOBA, and whoever I could send a complaint form to!

I agree you have to find a good company, & totally understand how it works (full disclosure) when we did a settlement program at 1st we thought it worked one way then we realized with trial & error how it really works. Good thing it did work out & settling was great it was just a matter of knowing what happens & what needs to be done to keep it moving along & not fall apart. BBB is good place to look & sometimes a co. can have complaints on ripp off report too. BBB automatically gives settlement companies a lesser grade because of the type of business just so you know so you have ot read into the body of it on how many complaints if any & when. Biggest suggestion I can give after making sure a company is legit is how the program is broke down & does it allow you to actually save quickly enough. Many comapnies it is all about there fees within 10 months or so so you really are lucky to save a $100 out of that during the fee portion period. There are some companies that are legit very good & make there fees a little lower & do have is structured so you are saving more than there fee & you can actually settle something alot sooner than the average company. We went with a company for the same reason afraid when it came down to it could we save on our own & truly know if we could get a fair settlement too. I will give you the top 3 I had narrowed this down to, Freedom Financial, RAM Financial AZ, & Rise Above Debt..Always check with a few companies never take a deal on 1st call, gather info from all of them then choose if thats what you do. BEST OF LUCK TO YOU! PS- As long as the company is for real & not shaddy & YOU really understand how it all works, are dedicated, & the plan alows you to save over the fee you will be ok!!!!

Check out Consumer Recovery Network I found it to be the best.... of all the searching I did over a 6 mth period. I found the kink somewhere here on a thread I think his name was Mike Very helpful

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I have this opinion that instead of going for the debt settlement company one should first try his best and correspond with the lender first, if it works out then thats good.But debt settlement company has to be last resort.