You can also search for a non-profit consumer credit counseling company which is always a safe option. (nomorecreditcards.com)
One chapter would be looking at the number of credit counseling companies who started doing settlement or whose principles, family members, or «friends» started «separate» settlement companies themselves. (getoutofdebt.org)
A nonprofit credit counseling company works with lenders to reduce interest rates on your monthly bills. (debt.org)