how can I compare companies to determine which one

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David, go through the testimonials shown in their websites, also check out their accreditations e.g. their rank with the BBB etc.

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Normally, the creditors refuse to settle the accounts unless you are delinquent on them by 3-4 months.

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David... You can check out the given page in order to find out how you can chose a good debt settlement company: (Check out the section "How to choose best debt settlement company").

Anonymous... Your creditors/lenders will not be ready to settle your account if you are current on your mortgage payments.

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can i get debt settlement while my account is current

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What is the sum of 4 and 6

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