My settlement company got me summoned from my creditors

Sounds like you are hooked up with the wrong company. debt consolidation is better that debt settlement in my opinion. Settlement looks worse on your credit and also sends a red flag up to some companies to come after you harder. Filing chapter 13 is a last resort. It stays on your credit report for 10 years. Most chapter 13s fail. The person falls behind and they are right back where they started. Thats what happened to me and 9 years later it is still on my credit report.
Click on the "Free Consultation" link on the side of this thread. You will be contacted by a debt consolidation counselor who will evaluate your situation. If Chapter 13 is your only option he or she will tell you. Good luck.