Should I stick with debt management, or use debt settlement?

I am today enrolled in a module with CCCS of MD as substantially as DE, as substantially as compensate most 0 change per month than when we was profitable my creditors individually. we will hit this remuneration for a ensuant 4 years. we was told most debt settlement, though we am psychoneurotic most how not profitable my cc’s until we hit a allotment intensity will afect my capability to lease an apartment. Any thoughts? Pros/cons upon each? Thanks