What debt negotiation company would you recommend? We are looking for a company that is legit and fair.?

We are not looking for loans or banks.... and would prefer if the answers came from people that actually used a debt negotiation service.

Please answer if you have used a debt settlement firm...

I used Everest debt solutions and started their debt settlement program back in 2007. They are completely devoted to helping their clients. I had alot of debt and bankruptcy just wasn't an option for me and my wife. So far they have settled all of our accounts except for one and we are on pace to finish the program early because i used my tax return this year to settle some accounts early. We had to pay back about half on the accounts including the fees.

I have had an excellent experience so far and we have recommended several friends to them over the last year and a half.

Your best bet is to research the law firm behind the debt settlement company.

For example http://netdebt.com uses

http://Contegolaw.com

Many debt settlement firms are new, but this does not mean they are not good. Ask them who represents them.

Try using: http://DebtAnswersNow.com

I used their service a couple months back and they consolidated all my debt and lowered my total debt about 25%.

Try daveramsey.com and click on "financial counseling" in the top right corner.
Simply the best.