damage credit

You have posted to a public mesage forum for people trying to get out debt.

All debt management programs will damage your credit a you are not paying as agreed. So will debt settlement.

Debt management/settlement/consolidation programs usually require you to fall behind on your regular payments so as to force the creditors to consider settling for less that what is owed. At this point, your accounts enlisted in the program are of course not in good standing on your credit report. In turn, your score takes a pretty big hit.