If you are looking for a way to reduce your unsecured debts, settlement may be an option. However, personal finance experts advise that this approach is usually not ideal for most consumers. Furthermore, if you have considered the situation carefully and have determined that debt settlement is the right option for you, it may be beneficial to undertake the process on your own behalf, rather than contracting the services of a third-party firm that will likely charge high fees and prolong the debt payoff process by as much as two to four years. However, if you are determined to work with a debt settlement company, be sure to seek out a service provider that is reputable and has a track record of experience and success within the industry. Before signing a contract, check the local and national Better Business Bureau websites for complaints about the company, and ask for references to past and current customers in order to get a comprehensive view of the company's customer service practices and record of accomplishment.