Resolved Question: Debt management – do these companies hurt your credit?

Resolved Question: Debt management - do these companies hurt your credit?

I've got about $63,000 worth of debt between 1 credit card, a car loan and school loans (mostly school loans) and am struggling to pay the credit card. mostly, because at 15.9% and paying the minimum, it's not going down. I've been told that debt consolidation is not the way to go and to check out debt management. My questions:
- If you go through a debt management company, does this impact your credit score?
- Debt Counseling Corp. claims to be free but I'm skeptical. Are there hidden fees with these places? They say they're non-profit.
- I don't want to pay for seminars, books, Website access etc. like Dave Ramsey's site only to find out I've thrown more money away and am no closer to being debt free then I was before shelling out the cash.
- Has anyone undergone or is currently using debt management (lowered APR's) and can recommend a reputable company? I know many aren't legit.

This is my first step in figuring it all out - research. Any help would be great.

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