It won't affect your financial history but it will affect your credit score?
Some credit counseling agencies basically file bankrupcy for you whether you explicitly know/understand or not. Ask for specifics. WHY will it affect my credit score. WHAT will go on my credit report. HOW do they accomplish these goals for you? Don't sign anything or let them do anything until you find out. If you don't understand the answers, post them here and they can be explained or examined.
There are agencies out there that will negotiate with your creditors to lower you interest rates, stike deals with collection agencies on your behalf, or help consolidate your debt payments. You just need to know specifics so they don't cause damage you might not want.
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