Choosing the Right Debt Settlement Company A Google search for ?Debt Help? will generate page after page of financial service companies offering different solutions to help you get out of debt. The various ?Debt Help? options are generally Debt Settlement, Credit Counseling, Debt Consolidation, and Bankruptcy. In this article I will focus on Debt Settlement and what you can look out for in the consultation process to help you make your decision with confidence. For more information on Debt Settlement and how it works, please visit www.selectdebtrelief.com Most Debt Settlement (also known as Debt Reduction) companies follow a similar process in qualifying and enrolling their clients into the program. I will break this down into 5 steps: 1. Initial Contact: Many customers will find a list of ?Debt Help? companies by typing how to dispute credit report phrases into search engines such as Credit Card Debt, Get out of Debt, or Debt Relief. The initial contact will be initiated by filling out a form or calling the company directly. This first call will give you the most clues on what kind of business you are dealing with. The most important thing to remember is that Debt Settlement does not work for everybody. If a Debt Consultant makes the program sound like everyone gets accepted, you do not want to go with that organization. The only way a company can successfully reduce your debt is if you are in a financial hardship. Basically, if you don?t need the help, the program will not work because the creditors will have no reason to lower your debt amounts. If you?re current on the bills you still might qualify for debt reduction but only if you are struggling to make the minimum payments.