Can you negotiate settlement on credit card debt?

I have credit label debt which we have a income to compensate off. However, we listened which credit label companies module become to terms a reduce amount, converse ,000 instead of ,000 in sequence to get a cards paid in full.

1. Is this true?

2. Does this demeanour bad upon your credit report? Or does it modify appear?

3. How does this work as well as how do we go about negotiating with them?

Thanks for your time!