Any Reputable Debt Settlement Companies Out There?

Hi, I’m new here. I just read the entire list and learned alot. Thanks to those who have shared their horror and success stories.

I’m just about ready to either:

1) hire a Debt Settlement Co.,
2) Begin negotiations myself.

My question is: Has anyone had good experience with a DSC? Would you recommend them? Who should I steer clear of? Any help choosing one would be appreciated. FYI: I am looking into Curadebt presently. (…I hope posting a url is allowed here. If not, sorry. I didn’t see a FAQ so I don’t know the forum rules.)

There are just so many of them out there, and I have read many horror stories, so it is difficult knowing where to go.

Going it solo is scary in a way, being inexperienced with negotiating, but it also is not as risky, IMO. Any one have any experience negotiating on their own with creditors to settle the debt?

Thanks in advance.