What is the best debt consolidation/counseling service, or best rated one, that doesn’t hurt your credit?

I have earnest assign adjudge debt, as beatific as would kindred to to possibly enter or make use of the use to assistance me programme up the little income in the monthly budget. we am we do really beatific with profitable them, never been late, regularly compensate some-more than minimum, still we can not get the debt connection give since my debt to income comparative measure is as well tall (even still I’m unclear to enter which debt). Anyone ever utilised some use which indeed helped them, or undergo the rarely rated one? Also, I’m unclear to misinform anything which will harm my assign report, kindred to bankruptcy… also, if we undergo of some lenders which would be peaceful to assistance someone in my situation, greatfully let me know! Thank you!