Does anyone have 1st hand experineces with unsecured debt settlement?

I am in the attention that deals with peoples additive debt as well as all sorts of assign though I’m seeking for the little certain as well as negatives views/experiences. I’ve been asked to assistance someone hit the preference or during slightest surprise them the most pertinent we can to hit the preference upon their own. The incident is 3/4 accounts with 70k of unsafe debt.

Is it most pertinent to try to solve upon your own? with the company? that company? make use of the attorney? etc…

Thank we in advance