Over the last several years, a number of prominent personal finance experts have publicly warned consumers about the potential risks involved when dealing with debt settlement firms. Statistics have shown that clients of these firms often pay thousands of dollars in fees and service charges before any attempt at settlement is initiated. For that reason, most debt settlement companies have a very low rate of customer satisfaction. As such, a growing number of experts advise consumers to attempt to oversee the debt settlement process on their own behalf. However, if your case is complicated or has unique circumstances that may make it difficult for you to handle on your own, one smart alternative is seeking out the services of a debt negotiation lawyer. Many attorneys who practice in this area offer contingency-based payment models and flexible plans designed to help their cash-strapped clients. Contact your state bar association for a list of debt negotiation lawyers who practice in your area.