Would a personal loan to pay credit card debt be better then a debt management program?

I have about 25000 of debt though can ease compensate montlhy payments upon time as well as never longed for a payment…if we essay to get a personal loan from contend lendingtree.com as against to a debt polity power that looks improved to creditors?? My guide measure is around 650-670….I am starting to a assign conversing group to wager what they think….they have been HUD commissioned as well as non-profit. we ease have a little resources holds as well as holds totaling 6000…I do get paying consistently as well as been perplexing a little internet surveys to have a little tiny income upon a lateral to my job. What things should we demeanour for during a assign conversing agency? Such as if they have been legit or not in my situation?