Has a debt settlement helped or hurt you?

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