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

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