How do debt settlement programs work?

how do debt settler grouping have peoples debts go away? who pays a money? is it passable which if someone is in debt since they finished bad choices which they can intend out of profitable a lowercase of a money? i undergo not every grouping go in to debt for which reason though a lot do…and because is it passable for a grouping who impact thickened to have every of their income as well as compensate every upon their own? again thats not regularly a case… so where does a income come from for profitable every which debt?