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

I am in the tending that deals with peoples additive debt as substantially as all sorts of credit though I’m hunt for the little certain as substantially as negatives views/experiences. I’ve been asked to assistance someone hit the preference or during slightest surprise them the most appropriate we crapper to hit the preference upon their own. The incident is 3/4 accounts with 70k of unsecured debt.

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

Thank we in advance