My credit right now is very good I was contacted by a debt settlement company they oferred me 50% of paying back options claiming that it will be shown paid in full with zero balance in my report but I doubt the offer that how will the creditors accept will they not report me for not paying the debts in full but I have never been late or behind on any of my payments but I am having difficulty right now to pay my bills should I get into this debt setlement program Please advice me I am very confused about this

Talk to your creditors directly. If you have a good record and are up front with them, they may offer some accommodations for you.