From the desk of: Darryl Jolly

Across the country, while expenses are rising, incomes have been dropping and at the same time credit card companies are offering more credit (and increasing interest rates and payments) to people already deep in debt.

The good news is that there are solutions in the form of debt consolidation, debt settlement, do-it-yourself, or loans (when used properly to eliminate very high interest rate debts and be able to pay back at lower interest rates).

When deciding what program to go with, these are two of the most important factors to consider:

Cost - How much will the new solution save you? For example, the best debt negotiation companies get paid based on a percentage of what they save you.

Reliability -  Have these solutions worked for others?  Is the company one you can trust?

The following are reviews of three of the top companies for debt settlement, do-it-yourself or loans.  I hope that these reviews will be helpful on your quest to be debt-free.

Darryl Jolly

... Going by many web advertisements and corresponding websites, there "seems" to be a faster way of getting out of debt than just paying minimum payments or WORSE yet, file bankrupcy.  The idea is that a person can hire a company to do it for oneself, do it on one's own, or get a bad credit loan to pay it all off.

There are many companies, some are good and many are just out to scam hardworking people like you and me.

These scam companies also offer this to their takers:

• No Better Business Bureau (BBB) to prove reliability and good track record. Instead they have things like a Dunn and Bradstreet or Chamber of Commerce that any company can get.
• Have no after-sale customer support.
• Refuse to grant refunds.
• Get you started and you never hear from them again.
• Actually get you deeper in debt.

Based on our extensive research and evaluations, There are 3 highly recommended debt help companies out of the hundreds evaluated, as they have proven themselves as a legitimate means for an individual or small business to get out of debt. All these companies provide an initial free consultation. Their counselors guide you through the entire process, and personally help you resolve your debts.

If you have credit card, personal loans, or any type of business debts, you stand an excellent chance of saving a lot of money and having peace of mind that you have a solution in place.

Your friend,

Darryl Jolly