Don’t use a debt settlement company! They are mostly scams. They charge huge fees and often don’t do what they say they will. If you have too much debt go buy a copy of “The total money make over” and read it cover to cover.
You don’t need a debt settlement company, you can settle the debt yourself by calling the company and offering them cash. Just get it in writing and don’t let them have electric access to your bank account.
Go listen to the Dave Ramsey show for a week if you have too much debt, and pay it off.