Which Magazine: "Don't pay for debt advice - use free alternatives"
These so-called "Debt management" companies are not in business for the benefit of people in debt, they're out to make money from people who believe their hype.
They are notorious for front-loading fees, taking a cut of any money you pay off themselves and offering commission for referrals to get their hooks into more people.
To quote Which Magazine: "Debt management companies negotiate with consumers’ creditors on their behalf, but offer poor value for money. Fee-charging debt management firms generally target people who are in serious financial trouble."