Q&A: Has anyone ever used a debt management service? How did it affect your credit rating? Would you reccommend it?

Question by mom24athome: Has anyone ever used a debt management service? How did it affect your credit rating? Would you reccommend it?
I want to eliminate the rest of my credit card debt. I see the ads for debt management services where they work with your creditors to reduce your interest rates, then combine all of your debt together, where you pay them one payment per month. My husband thinks this will reflect negativly on our credit report. Has anyone ever done this, and were you

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