I received an offer from an entity that stated it could eliminate certain debts that I owe. I am having trouble making payments on my debts. I have the money to pay the fee they are requesting. Why shouldn't I accept the offer?

You should not accept the offer because this is not a legitimate method of satisfying debts. The offers have no substance in law or finance. You cannot eliminate an obligation to pay a debt, simply by paying someone a fee regardless of the amount you owe. Your lender will not recognize these arrangements as legitimate and may take legal action against you. You should contact your lender directly if you are having trouble making payments.