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https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-relief-program-and-how-do-i-know-if-i-should-use-one-en-1457/

What is a debt relief program and how do I know if I should use one? | Consumer Financial Protection Bureau Debt relief or settlement companies typically offer to work with creditors to renegotiate, settle, or change the terms of a debt – but working with these companies can be risky.

https://www.nerdwallet.com/article/finance/find-debt-relief

How Does Debt Relief Work? - NerdWallet Debt relief changes the terms or amount of your debt so you can make headway in paying it off. Here are the relief options and their advantages and downsides.