Debt settlement does not work equally well for every kind of debt. The best debts for a debt settlement program are credit card debts and unsecured lines of credit. On the other hand, things like tax bills, student loans, and secured debts – such as your mortgage or car loan – cannot be included in a debt settlement program. Debts like medical bills fall into a gray area, meaning that they might be included in a debt settlement program, but you probably won’t get much of a discount.