Hello, I have two accounts I need to get settled as soon as possible. Now at the moment I don't want to spend extra money I could be using to negotiate my debt to a debt settlement company unless I know for it's necessary. I don't know much about settling besides telling the collector how much I can pay and when, but if I do hire a company to help me about how much can they negotiate for? Do they just tell them basically how much I can pay or do they aim low and start from there? About how much on the dollar do they aim for?

I'm trying to save the most amount of money possible. I know by hiring a company I don't have to worry about the harassing phone calls and mean collectors.... they can get pretty mean sometimes, so that's one great reason why I would want to hire someone else to do the dirty work, but in the end do you think I will save? Thanks again for all your guys' help. You've been great so far!

Ms. Penny Villa