Debt settlement has been around since before Biblical times. Debt obligations were handy material for parable making in the New Testament, and debt distress was well known then as it is now.
Debt is a frequent issue in our culture. Indebtedness can grow faster than anticipated. Families scrambling economically may use credit cards to liquidate medical debt; then use other credit cards to reimburse the first ones. Things cascade uncontrollably, particularly for those surviving on a fixed budget.
"An ounce of prevention is worth a pound of cure," but when it's too late to take preventative measures, what can a believer do?
When a Follower comes to realize they have taken on excessive indebtedness and Mammon has turned into master, what's expected?
According to James, chapter 1, verse 5, the first action is to pray. Oppose the appeal to worry and "present your requests to God," — Philippians 4:6. The next steps may not be easy, but they are simple.