text: has anyon used one of the debt negotation companies. if you have how has it gone fr you.  any problems.? has anyone used one of the debt negotation companies.  how has it gone for you  good or bad.  i need to know soon. i haven't. but i heard that if you use them it makes your crdit worse because it shows that you cannot handle your own finances. i heard it's just as bad as bankrupty, but i'm not sure.