The blogs and discussion forums are getting flooded with the queries regarding debt relief programs and the most common answer to all such questions is to go for a debt settlement process if you have over $10,000 in unsecured debt.
The reason why it has become a huge success in America is its effectiveness in providing relief to the customers and its minimal impact on credit ratings.
If you are still stuck whether to go for it or not, this article should help.
Remember that these debt negotiations are not as easy as it appears.
You should realize that your credit card provider would never go into loss and eliminate your debt out of the blue.
You have to compel them and convince them with your repayment strategy and drag them to a negotiation beneficial to both the parties.
Here are some tips to bring an even settlement:

1. Once you have decided to go with debt settlement, take ample time to select the best debt relief programs.
   Do not take any hasty decisions and keep in mind to explore every available option properly.
   
2. The key to the best negotiation lies in selecting the best and top performing settlement company that can help you fetch the best possible deal.
   So make sure that your selection is best and independent of their charges and other such factors.
   
3. Do not get bogged down with misleading offers and free relief programs.
   It is quite possible that these companies are fake and bring further loss of money for you.
   
4. The best way to gain confidence of credit card companies is to prove your ability to repay the bills once the total amount is reduced.
   So, plan out a strategy that can explain your compatibility and balance your regular commitments with bill repayment.
   
5. Make sure that you disclose all your bank details clearly to the settlement companies.
   Explain them the reason for your not being able to repay the bills.
   Freeze all your accounts and keep a track of all your expenses.
   
6. Also try and assure them that you will never miss the repayment dates, once finalized.
   Missing any such date might put you in deeper problems and increased interest rates.
   

So, it is recommended to follow the above steps and you will be surprised to see how the debt relief programs works in your favour.