Has a debt settlement helped or hurt you?

Please yield *some* details. My crony is in debt as substantially as we unequivocally desire to assistance her. Thank we in advance.
I’m perplexing to confirm if we should handle which pick to her. She has discussed her monetary problems with me since she unequivocally trusts me as substantially as we do not desire to indicate something which could go wrong. we theory we could only contend it’s an pick though be heedful of it… ???