However, we recommend individuals negotiate with their creditors directly to avoid fees or hits to your credit score that using such a company can bring. (valuepenguin.com)
If you have a debt management company deal with your creditors on your behalf the creditors will report those negotiations to credit reporting agencies. (debtfirms.com)
A representative from a quality debt relief firm may be able to help you work with your creditors directly. (badcredit.org)