You need these debt settlement reviewsbecause you want to work with a service that offer real help and not the one that could worsen your financial status. In fact, there are horror stories from consumers who failed to do so, and fall into worse debt load. They reported that they made higher monthly payments than their initial payments to individual creditors.
A settlement or negotiation , like Freedom Debt Relief company negotiates bill settlement with creditors; you accumulate your money with them and once the settlement is reached the company makes a lump sump payment to your creditors.
Remember: Creditor calls at work at home, on your cell, anywhere and anytime (the "anytime" must be within reason, such as NOT after 9pm, etc.)
