I would advise both of you to stay away from debt SETTLEMENT companies. Look in your phone book for the local branch of CCCS (Consumer Credit Counselling Services) Many times they are not for profit and can get you started in the right direction. Since I don’t know your locations, here’s a link for the CCCS of Atlanta:
I do not belong to this service or work for this service so I have no opinion on them other than to use their site as an example. I do use another CCCS and am having a good experience there. Hope that helps.