Debt management – do these companies hurt your credit?

I’ve got about ,000 continuance of debt in between 1 credit card, the automobile loan as substantially as advertize loans (mostly advertize loans) as substantially as am struggling to compensate the credit card. mostly, since during 15.9% as substantially as profitable the minimum, it’s not starting down. I’ve been told which debt connection is not the approach to go as substantially as to check discover debt management. My questions:
- If we go by the debt government company, does this stroke your credit score?
- Debt Counseling Corp. claims to be programme though I’m skeptical. Are there dark fees with these places? They contend they’re non-profit.
- we do not wish to compensate for seminars, books, Website incoming etc. similar to Dave Ramsey’s site usually to find discover I’ve thrown some-more income divided as substantially as am no closer to being debt programme afterwards we was prior to shelling discover the cash.
- Has some one undergone or is now regulating debt government (lowered APR’s) as substantially as can suggest the creditable company? we undergo most aren’t legit.

This is my initial step in reckoning it every discover – research. Any assistance would be great.