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Do you need a consultation with a debt relief company, but don't know where to find one that's reputable, honest, trustworthy? Scroll Down for our #1, #2 and #3 Top Debt Relief companies. Today there is a flood of debt relief services as a result of the current economic front. From debt consolidation to debt settlement, companies offer solutions to past pitfalls of your household's finances. With so many companies advertising on the internet, radio and television, here is a snapshot of what is possible with debt consolidation.

1. Debt consolidation is not permissible for all debts. Debt relief programs are mainly for credit card bills and unsecured loans. Your car loans or home loans should not be included in a debt relief program. Let us help you with your credit card consolidation in Minnesota.

2. It is not for everyone. If you are less than $5,000 in debt, it would be best to pursue debt settlement on your own due to the associated fees. If you have anything to pay toward the smaller amount of debt, a bankruptcy may be considered an option.

3. The amount your debts will be reduced will depend upon which state you live in, who your creditors are, the type of purchases such as cash advances or balance transfers, your delinquency time, and your level of hardship. You will have a great negotiating team on your side to reach the lowest settlement possible with each of the creditors you choose to enroll.

4. Choosing the wrong debt settlement company can mean more money out of your pocket. Some researched companies actually caused people worse financial hardships. This is why a thorough review of reputable companies is a must. 

 17 of the top debt relief companies were evaluated based on the following criteria:

• Can help with a variety of different types of debt such as loans and offer different programs catered to various circumstances.. Works with unsecured debt, mortgages, tax debt and student loans to help you with other debt that you may have.
• Must be in good standing and a member of the Chamber of Commerce
• Member of TASC - The Association Of Settlement Companies.
• Member of IAPDA - International Association of Professional Debt Arbitrators.
• Fast Customer Service response times.
• Customer rating is high.  No evaluation is better than that of customers who have used them before.
• Flexible programs determined on customers' available monthly income.

Below, I give you recommendations of the top three debt relief services companies that I have tested based on all of the criteria above.

Your knowledge is your power to change your circumstances, and even if you are not an expert in debt relief, knowing one can can save you money.

As soon as you have enrolled in one of the suggested programs, please email me at (info@www.latockireviews.com) and let me know how your circumstances are improved; and I congratulate you because each person that is delivered out of debt, is that much more likely to building a better America.