How do you know which debt settlement or debt consolidation program to choose, when theirs 1000’s out there?

How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.

Are there any debt consolidation companies that do bulk settlements that clear your credit quickly?

I want to work with a debt consolidation company that pays off the debt on your credit report quickly and have you pay them monthly. I do not want a consolidation company that only pays the collectors as you pay them.

I received a letter from a collection agency but I think there might be a mistake. What should I do?

It was sent from the Commercial Collection Service, Inc. in Santa Rose, CA. Apparently I owe $66.50 to something but I’m not exactly sure what it is. All it says in the description is: “Unbelievable.”
I tried calling them but no one answered. All I received was an automated message telling me to leave my contact [...]

I would like to negotiate debt settlements and get them to show paid as agreed, is there an agency that can?

I have heard that it can be done as part of the settlement, I just haven’t had any luck finding any company that will negotiate the change in report status as part of the agreement. I am more concerned with my credit score right now. I am very close to qualifying for a mortgage and [...]