As dan_nsa said, many of these so-called 'debt settlement' companies take their fee upfront and do not pay creditors, completely tanking the credit of debtors who had good credit prior. Many of the companies ask NSA's to misrepresent themselves as their agent. They also often prey on those who can least withstand the aftermath.
I've done a handful of annuity purchase signings, and I feel a little different. Although some finance firms low ball the offer to the signer, I've found they offer a valuable service to those that need it; people in desperate financial straits are able to get funds immediately to stave off the disaster.
In one annuity purchase case, I had multiple visits (each one paid) in which I had to help the signer fill out the forms (not the signing itself) due to partial paralysis following traumatic brain injury; it gave me a warm feeling to see how happy the signer was to be able to take care of his family's needs.
I'll do an annuity application/closing, but I keep a list of originators that have questionable practice (in my opinion) - I don't respond to those.
It is not my right or place to substitute my own judgment for the signer's. However, I'm very careful not to go outside my role as notary, not to start (or continue) a signing I know to be in bad faith, and not to lend my credibility to potential scams. Every debt settlement I've ever seen falls requires an NSA to go into the latter two, if not all three..
The other thing I don't like is reverse mortgages, especially the application. In one signing, I was only at page 3 after an hour; even though the lender gave me full fee, I swore off reverses from that point onward.