Finding a credible credit card debt settlement company can be an arduous task considering the number of scams out there these days. However you can do certain things that can test the reliability of a particular company. First of all, you need to ensure that the company is a member of The Association of Settlement Companies (TASC).
Check whether the company is charging according to the settlement outcome or whether they are charging one flat fee. Choose a company that belongs to the first case. Ensure that money back guarantees are valid for a minimum of 30 days. If the settlement company says that your credit score will stay intact even if you opt for debt settlement, avoid the company as you might loose credit by opting for debt settlement.