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I see several out there, what has been the best and most reliable?
Debt settlement is usually a negotiation between you and the debt owner.
What services are you seeking from a "settlement company"?
a third party to handle negotiation and receive payment in a 2-3 year payoff plan reduced chance of garnishment.
They could not make any offer without first obtaining your approval, so I dont see need for a negotiator.
If a plan is accepted, then I would want to personally make any payments, thus ensuring timeliness of all payments.
In a nutshell, I am kinda at a loss to see a need for an intermediary. I would do it myself, and retain control.