No, debt settlement does not include mortgages and car loans, which are both secured loans. Debt settlement is for credit card debt and unsecured loans, or loans that are not tied to any assets that could be repossessed in the event of default. (For example, unpaid credit card debt is an example of an unsecured loan.)
Mortgage and auto loans, on the other hand, are secured by the physical home and vehicle, which can be taken over by the lender. That being said, there are other options available for consumers struggling with debt on secured loans. Auto loan refinancing and home loan modification (also called mortgage loan modification) are both viable options.