If you are looking to reduce the amount of money you owe to either credit cards or loan company's, you will need the services of a debt settlement company. They can help you to reduce the amount of your debt and will work with lenders to enable you to make payments you can afford. You can look on the internet at lists of the top 10 best debt settlement company names and choose the one that fits into what you need to do in order to reduce your debt. All of the company's on the list have proven track records. 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.