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Debt settlement involves negotiating with creditors to settle debts for less than the full amount owed. It typically requires making lump-sum payments or agreeing to structured payment plans to satisfy the debt.

While you can technically still use credit cards while enrolled in a debt settlement program, it's generally not recommended. Continued credit card use can complicate your financial situation and hinder your progress towards becoming debt-free.

Debt settlement may have a negative impact on your credit score because it involves settling debts for less than the full amount owed. However, as you pay off your debts, your credit score can gradually improve over time.

The duration of the debt settlement process can vary depending on factors such as the amount of debt, the number of creditors, and your ability to make payments. Generally, the process can take anywhere from 6 to 48 months to complete.

Debt settlement firms typically work with unsecured debts such as credit card debt, medical bills, personal loans, and certain types of business debts. However, secured debts such as mortgages and car loans are generally not eligible for debt settlement. It's best to consult with a debt settlement advisor to determine which debts can be included in the program.