I Am in the Idea of Enrolling in a Debt Settlement Program. What Are the Responsibilities Once I Enrolled I?

I am in the idea of enrolling in a debt settlement program. What are the responsibilities once I enrolled?

I am in the idea of enrolling in a debt settlement program. What are the responsibilities once I enrolled?
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I recently switched jobs making significantly less money. Now I am past due with bills and am getting some pretty rude calls from creditors. I want to pay them but am having a hard time. I have been seeing commercials about debt settlement and needed some help deciding who to go through. I have a little less than $12,000 to pay off. Please site sources when you can and THANKS ahead of time!

I am having to go through a program with a reputable debt settlement company and I understand I will get a 1099 at the end of the year after settlements are completed. I have extremely low income and was wondering if I would have to pay taxes on the savings?