Keeping an eye out for these green flags can help you find the reputable debt settlement companies you're looking for. Getty Images/iStockphoto

Debt can sneak up on borrowers much faster than they may expect. What starts as a manageable balance can quickly grow when life throws curveballs. All it takes is an unexpected expense, a job change or even just relying on credit cards to cover day-to-day costs for your debt burden to grow rapidly. And, if you're facing debt that comes with compound interest , like credit card debt, the minimum payments will rarely make a dent in what's owed. When that happens, the stress that comes with rapidly growing balances starts to take over.

For many, that's where debt settlement enters the conversation. These programs aim to negotiate

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