Help - The 1099-A Process


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Can someone verify this is successful for payment of credit card debt and mortgage

Ros V

Hi everyone. I’m new to this and have watched Christopher‘s videos.  I am not being rude-just truly need to know… Is this process of discharging debt/mortgage real? Some people in this forum has said they have been trying to discharge with this method / purchase a home car for four years! 
Can someone create a group of those who have successfully had the discharge  completed??? Should I even pay monthly to join this group? what is really going on? I am trying to discharge credit card debt. 
Thank you all.