In today's economy, more and more people are finding that it is becoming increasingly difficult to pay off their debt. Job layoffs and downsizing have caused many people to find themselves in default of loans and credit card payments. Using a debt negotiation firm in order to reduce the debt you owe, is a great way to pay off your existing loans. The experts will help you in contacting your loan or credit card company in order to find out how you can repay them in a timely fashion while not breaking the bank. Choosing the best debt negotiator firm can be difficult but our experts have been able to put together the top 10 of these. Choose the firm which will best represent your interests and help you to create a plan of action in order to reduce your debt. The list includes expert firms form many different areas. Ranking order is based on a wide range of qualitative and quantitative statistics, including the payment of variable monthly listing fees to be in our directory. Learn more about our ranking process here.