Are debt settlement companies a scam?

I was meditative of signing up with a debt allotment association though we hit listened a debt allotment companies not what they seem. They guarantee to solve your credit label as substantially as unsecured debt for half or reduction than what we owe. we hit listened what they do not handle it we is which we customarily intend sued, intend your salary garnished, as substantially as which a debt allotment companies over inform what they essentially save we whilst charging we a outrageous fee. In addition, we hit listened which your assets hit been reported to a IRS as income as substantially as which your credit inform is trashed. Supposedly their clearly caring sales people hit been paid tall commissions. Apparently we can come to cost with your creditors as substantially as be only as successful whilst saving a thousands of dollars these companies distribute you. What we wish to undergo is if every which is unequivocally loyal most these companies as substantially as can we essentially come to cost with my creditors myself as substantially as save thousands in fees. we need a dip from someone which is honest as substantially as knows a law most these companies