What credit card debt settlement program is the most reputable?

Who is hurting the most now that we here in america are facing such tough financial times?  Well people have found themselves stuck deep in credit card debt are going to be hurting the most, with increased interest rates and increased mortgage payments something is going to have to give.  And for most it should be the credit card debt, credit card debt settlement would be the wisest course of choice for most of these people so they might actually be able to keep making their mortgage payments and keep their houses.  Losing a house is a lot worse than defaulting on credit card debts.