Are you experiencing financial hardship? Have you fallen behind on monthly payments and don’t see any light at the end of the tunnel? Have your credit cards become maxed out? Are you unable to enjoy the best parts of life that you want because your credit card bills are holding you back?

Many Americans are unaware that if you have suffered a financial hardship you may be able to negotiate your credit card bills for reductions in principal balance and more favorable repayment terms for your financial situation. Creditors sometimes may be willing to forgive up to 70% of your principal balance!

Debt settlement organizations assist individuals with financial hardship to negotiate with creditors to come to more favorable repayment terms and settle the debt on the client’s behalf. Companies that specialize in debt settlement or debt resolution will work to reduce the debtor’s overall principal balance as well as the interest rates charged on that debt. This debt relief method is very different from debt management and consolidation, which merely aim to lower interest payments while leaving the principal debt unaffected.

Most individuals who elect to use a reputable debt resolution company like Landmark Legal can expect to see their first settlement within 4-6 months and every 4-6 months after that. This process helps client’s relieve stress and become debt free in months not years.

Now the question is how to find a reputable top rated debt settlement companies?