DEBT CONSOLIDATION AND DEBT MANAGEMENT FOR BAD CREDIT

should I consolidate my credit cards debt with a debt management company ?? what do you think? ?
I have over $20,000 of credit card debt. I am able to pay them off slowly now, but I am thinking of consolidating everything with a debt management program. This program said they will close all my accounts and all I have to pay is a low monthly payment of $500 a month for all my credit cards. Is this a good deal? I am not sure. Thank you for reading and thank you for your time.
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Debt Management Tips : How to Consolidate Debt

is it possible for me to start a debt management company?
can anyone who wants to run a business start a debt management company?
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Debt Management: Credit Boot-camp™Credit Repair (Self Help)

Can debt management companies be trusted?
I've been in a program for 10 months now. I've recently come into some money that will pay all these bill off. Now I'm a little conserned about sending a rather large check to the debt management company. They've been good in the past, paid what they said, but it just bothers me to send this much money to them. I wonder if I should pay the bills myself or let them do it. This is a once in a life time chance for me I can't screw it up.
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Credit Counseling & Debt Management : How to Apply for a Credit Card With Bad Credit

How can I get the location where jobs are advertised by Debt Management Office of Nigeria on-line?
My friend informed me that I should check www.DMO.gov.nig advertisement has been placed for empolyment by Nigeria's Debt Management Office I searched for the advert at that address and the application must be made on-line but I cant find the location can someone please help me out?
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Debt Management Tips : How to Remove Judgments From Your Credit Report

Do all debt management programs destroy your credit rating?
As far as I can tell "debt management programs" are really just friendly faces of creditors that aren't interested in helping you as much as they are creditors. My wife was using one when we first married and they screwed everything up. It also destroyed my wifes credit for 7 years and charged her monthly to do it!
Are there any ones that are actually out for the little guy?
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Debt Management: Credit Boot-Camp™ | Debt Collectors Dirty Tricks

How much will a debt management plan save a month?
I am looking into a debt management plan. We tried a home equity loan but our credit has gone down to far for it. The one that I just applied for said they save on average $125 a month….that won't cut it. Anyone have been success than that? I don't need lectures…unfortunate health circumstances put us here. We just want a better life. I would love to hear success stories!
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DEBT CONSOLIDATION LOANS-FREE INFO

Can debt consolidation have a negative impact on my credit profile?
How can debt consolidation affect my credit history/profile? How will it affect my credit score now? What if I want to buy a house within the next 2 years?
What if I want to buy a car within the next year?
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