Armored Debt Center is a debt settlement company that provides standard debt negotiation on the behalf of their clients.  Their website mentions credit card debt the most on their front page, although they emphasize handling “other kinds of debt” as well.They place an importance on their negotiation process which helps give them an edge when it comes to working with creditors.  They state that the “company and staff have years of experience in debt negotiations.”

Integrity Debt Relief Group claims to be the “safest and most effective debt relief process available today.” It uses contract law to eliminate all debt, not negotiate it to a smaller amount. This is not really a strictly settlement process, but I will include it as a part of our Reviews series, for comparison purposes.

We have covered many of the popular tactics for reducing one’s debt. If you have tried the tactics for paying down your bills, such as snowballing your debt payments, paying more than the minimum, and working with your creditors to create more reasonable payment plans but still find it impossible to get your debt covered, it may be time to consider bankruptcy.