We often hear from clients struggling to deal with debt collectors seeking repayment of debts incurred by deceased relatives. This article, from the Federal Trade Commission, outlines your rights and responsibilities when faced with this situation.
FTC June 2009
Paying the Debts of a Deceased Relative: Who Is Responsible?
After a relative dies, the last thing grieving family [...]

A debt settlement is when a creditor agrees to accept less than what is owed on a principal balance of a debt.
Many agencies offer Debt Settlement Services, often charging high upfront or ongoing fees when individuals are already experiencing financial distress.
An individual can work directly with a creditor to settle a debt on their own [...]