Consolidating credit card payments? Using a "debt settlement" company?

I’m behind in goal of removing a little answers for my crony as well as her family. She is deliberation filing for bankruptcy, though we were deliberating those companies which assistance we enter your assign adjudge debt.

How do those "debt settlement" companies work? What is a name of a great one? Is there an added approach to enter your assign adjudge debt? Don’t those companies let we compensate reduction than we owe?

Sorry for a million questions! we know zero about this topic. Thanks!