Settlement Company or Law Firm?

GOOD LUCK!!

Superior debt relief has a good feedback among the settlement companies. See this thread.

http://www.debtconsolidationcare.com/forums/about12270.html

Also, you can see the list of the consolidation and settlement companies in the ranking chart here. Some feedbacks have also been given about these companies.

http://www.debtconsolidationcare.com/ranking-chart/

Mike, once you register in this site, someone will call you for a free counseling. You can try the free quote from one of the counselors in your area.

Is it better to go with a settlement company or a law firm that does debt negotiations and bankrupcies?

Mike, every company will place their attractive offers to you so that you get hooked with them. You need to see which one fits the best to your needs and finally decided the company you want to work with. Remember to have the contract in writing and signed by you before beginning the plan.

I am looking for step by step instructions on how to do debt settlement on my own.

Negotiate with your creditors explaining that you want to clear off your past debt accounts. Propose a settlement plan so that they are willing to work on it. Remember, settlement takes some time to deliver the positive results. But if you are in constant touch with them and have every intention to clear off the debt, they will not sound to be tough enough.

I found this debt settlement page helpful for you. Have a look.

http://www.debtconsolidationcare.com/debt-settlement.html