A debt settlement company will slam the bejesus out of any debt you point at. Even if you are a stupid baby pointing at your mortgage, a debt settlement company will do exactly as it's told.
here is what you need to know about debt settlement companies:
How to prevent yourself from getting too carried away and sicking your debt settlement company on a debt that shouldn't be touched? You talk - even if you can only speak baby language, you talk and your figure things out. Discuss your options, make your debt settlement company come down to your level and have them explain everything they are doing and any suggestions they might be able to make.
Make no mistake about it - just because these guys focus on the actions of debt settlement, they can still provide you with valuable information as you'd find from a counselor or a debt management plan. MIlk that information from them - play the roll of the baby! Be cute and inoffensive. Wet yourself in a public place and have your debt settlement company take pity on you. Any leverage you can gain - sympathy, whatever - is sure to be a benefit. Then take those benefits, make a decision, and unleash your debt settlement company on the matter at hand.