Unsecured Debt Settlement

I Am In A Industry That Deals With Peoples Secured Debt And All Types Of Credit But I'm Looking For Some Positive And Negatives Views/experiences. I've Been Asked To Help Someone Make A Decision Or At Least Inform Them The Best I Can To Make A Decision On Their Own. The Situation Is 3/4 Accounts With 70k Of Unsecured Debt.

Is It Best To Try To Settle On Your Own? With A Company? Which Company? Use A Attorney? Etc...

Thank You In Advance