There are many companies that say they can help a person with arizona debt settlement service. There are many people who say that these companies are not doing anything that a person could do on their own. That is true. The debt settlement services that operate on a nonprofit basis are not doing things that a person could not do themselves. They are going to contact the companies that a person owes money and try to make arrangements for the person to pay off the money they owe in a way the person can afford. That may be by lowering the interest rate or for settling the debt for less than is owed. What these companies offer a person is the knowledge of what the credit companies can and cannot do when they are trying to collect a debt. It is the knowledge that they have from handling these situations in the past that makes them useful to a consumer.