There are more people than ever turning to debt relief companies today as a result of economic challenges. From debt consolidation to debt settlement, these companies offer a solution to put peace of mind back into your household's finances.

We will help you choose the right credit debt relief company for you so that you can make an informed decision on your best credit debt relief option.

With so many companies advertising on the internet, radio and TV, we want to shed some light on what is and what is not possible with debt relief.

First, it is NOT possible to save money on all types of debts. Debt relief programs work best on credit card bills and unsecured loans. If you have car loans or home loans, these should not be included in a debt relief program.

Second, it is NOT for everyone. If you have less than $5,000 in debt, it really doesn't make sense.

Third, you may only save 50-60% depending on the types of creditors you have, how delinquent the debts are, what state you live in, what type of purchases the debts were for, and your current financial situation. Yet, with that said, I've had reports from USA and Canada of savings as much as 89% on credit card debts. You will still have to pay something to the creditors, but your bill would likely be cut in half to one third of what it is right .

Fourth, take note that some of the debt settlement companies recommended by non-experts have actually caused people worse financial hardship and forced them to file bankruptcy, which is the worst possible mark for a person's credit standing.

I evaluated 17 of the top debt relief companies based on the following criteria:

        Reputable and organized staff.

        Written guarantee for overall savings.

        Affordable for the average person.

        Secure website.

        Large amount of savings.

        Work with 99% of creditors, including Citibank.

        Has successfully reduced millions of $$$ of consumer debt.

        Fastest completion times.

        Helps protect your credit standing.

        Member of the Chamber of Commerce in good standing.

        Member of TASC - The Association Of Settlement Companies.

        Member of IAPDA - International Association of Professional Debt Arbitrators.

        Customer satisfaction response times.

        You get to speak with your debt negotiator whenever you want.

        Flexible program based on what you have available on a monthly basis.

In this site I give you recommendations on not just the top 3 (three) but the top 4 (four) credit debt relief companies that I have tested based on all the above criteria.