Today here in America we are facing a huge debt epidemic. Now more than ever American families are facing very bad debt problems. So how can this be stopped you may ask. Well the answer is debt negotiation. Debt negotiation is a process where a settlement is made on someone’s debt for less than they actually owe. Saving the person a tremendous amount of cash. So what do the best debt negotiation companies offer. For starters they should be a member with the Better Business Bureau, and have an very clean record. Next they should offer a very responsible client services department. And last but not least they should charge their cut based on how well of a settlement they can achieve. For most consumers debt negotiation is the only way out of debt sure to keep them out of bankruptcy court.