How to Find a Reputable Debt Reduction Service If you are planning to reduce your debts, it is best to search for a reputable debt reduction service. You can opt for a debt reduction program that many companies offer to reduce your monthly payments or consolidate multiple debts into a convenient one-time payment. You can even expect them to take up the matter of lowering interest rates, and late fee reduction or waiver with your creditors. Such matters can be managed efficiently by reputable debt reduction agencies only. How to Find a Debt Reduction Agency: How to find a debt reduction agency is an easy task, but you need to find a debt reduction program that helps you get rid of debt in a legal way. You will have to consider a number of factors before finalizing a debt reduction agency that will suit your purpose. When you think that, you cannot manage debts on your own; discuss the matter with a certified counselor recommended by your financial company. A counselor will be able to recommend some reputable debt elimination companies to help you reduce your debts. Working with lesser-known companies has its shortcomings like hidden fees, and certain ambiguous clauses that work in their favor. Finding the right reputable debt elimination companies can take long, which may test your patience. Do not fall into the trap of lesser-known companies just because of their impressive PR efforts or promotional strategies. You can also approach your local Better Business Bureau, Consumer Protection Agency, or your state Attorney General who can suggest you the right companies for debt reduction and or debt elimination. You may also seek the information from the Attorney General's office whether debt reduction agencies need a license to operate in the state, and whether the company you intend dealing with has a license or not.