I am looking into debt settlement and want to know who produces the best results?

I need help in managing my debt! I have recently lost my job and my debt is accumulating! I need a debt settlement company who can help me in debt settlement and provide me with credit solutions that are do-able. If anyone can recommend a company with good debt settlement programs is also greatly welcomed!
Thank you

I have been told that now is the time to do debt settlement if you are currently unemployed and recently widowed. A lawyer has said this is the time to do it while the window of opportunity is open all because of the bad economy situation. What do you think?

What is the best solution for credit card debt?
I am way in over my head, I have 6 credit cards and I’m over $40,000 in debt. I have tried to take out a loan at the bank to consolidate but i got turned down. I need HELP!

I have a lot of cc debt. I don’t know who to trust as a debt settlement professional. Does anyone has any experience in that?

I have been reviewing different websites for help with my credit card debt. Because of religious beliefs I am hoping to find someone that can offer Christian debt consolidation. Does anyone know who are the best Christan debt consolidators?

I have 3 different credit cards that now have over 20% interest rates because I was late on one payment. I have heard that Christian debt consolidation might be a better option than regular, but I want to make sure I select a company that is reputable.

He owes about $12,000 we want to get married when he is debt free. Do you know any reliable settlement companies that are trust worthy? What are the procedures?
He is a full time student and has a job he works full time with minimum wage.

I am looking for the best debt consolidation company to help get me out of the mess I am in. Suggestions?