Is there such a thing as a credit card debt relief that could help without hurting my credit score even more?

Generally, any program you use will hurt your score in one way or another. Your best bet is to pay as much as you can on the CC with the highest interest while maintaing the minimums on the other CCs. When you have the highest interest rate card paid off, move to the next highest interest, and continue the cycle.

I recommend doing the math on how much money you can save through debt settlement vs. what the potential effects of a lower credit score might be down the line.
You might be able to settle a $25K in debt for around $8-10K. Thats a $15K savings right off the top, plus, since you're delinquent on your account you're probably paying 25-30% in interest. That's another $7-8K a YEAR you'll be paying on that account if you keep paying the minimum. It may take fifteen years to pay off that account and wind up costing you $100,000 by the time it's all done.

The flip side is, if you settle it now for $8-10K, save the $15K off the top and the tens of thousands in interest over the years, you'll take a reduction in your credit score, maybe 100 points, maybe 200 or more. I'm not sure how those calculations work.
The question is, what do you plan to do with your credit score in the near future? If you already own your home and car and don't plan on taking any large loans, then there is virtually no financial downside to settling now and taking the credit score reduction because you're not taking a new loan.

If you plan to buy a car soon, do the math. The difference in interest paid on a 5 year car loan of $20,000, if you can get, as an example, a 5% loan with a high credit score and a 7% loan with a lower credit score, is about $20 a month and just over $1100 total for the entire loan. Isn't that worth all the money saved by settling out a card?
The point is, don't allow your credit score to be the only factor of consideration when looking at debt settlement as an option. It is one factor, and it does serve a purpose, but do the math and make the decision by weighing all the factors, not just whether or not your credit score will take a hit.

You, yourself and you. First thing is to throw those stupid things away and don't use them. Then call each company up and negotiate with them a better rate. Then pay them off smallest balance to largest. Pay the minimum on the largest and pay the most on the smallest until it's gone. Then apply the same method to the next. By doing it this way you don't have to worry about anyone else but your self.

Snowball your debt. Start with the lowest and then work towards the highest. This is more effective. Apply as much as you can to the lowest bill while paying minimum on all others. Once it is paid off, transfer that payment amount to the next one.
If you are thinking about using another debt solution, such as debt consolidation or debt settlement, it would be fine. However, if you use the services of a company, be prepared to pay and suffer some hurt to your credit scores. To summarize briefly what you can do:
♦If you want to consolidate your loans, you can apply for a personal loan if your credit is good enough or if you own your own home and have enough equity in your home, apply for a cash-out refinance to consolidate your loans. Or apply for a home equity loan. Just make sure you do not default on these type loans.
♦If you want to settle your accounts (only if you are 3 or more months behind), negotiate with your creditor to settle your account for less.
♦If you go with a debt management company, shop around. You do not want to get further in debt to get out of debt.
Hope this helps!

Unfortunately they are right, your credit score will take a hit while enrolled in a Debt Settlement program, and if any company says otherwise they are lying. One of the benefits I can offer you though, is that at the end our of program we have a Credit Restoration Process where our attorneys will challenge every derogatory remark on your Credit Statement and by law the CC companies have to verify the remarks. Since you have gotten all of your debt balances down to 0 through our Debt Settlement program, they won't challenge it and by law the Credit bureaus have to remove it. So it is a plus because once your done with the program your credit score will increase dramatically.

Anytime you get into a Debt Settlement program it will hurt your credit. Try to negotiate with the credit card companies yourself first. Pay off the one with the smallest balance then put that money toward the next card with the lowest balance. Most of all stop using the credit cards and cut them up. You'll never get out of debt if you keep adding more debt and it's tempting to use them if you have them!

If your credit scores are already low, then going through debt settlement, won't do too much more damage. You can go about settling your debts two ways: 1) through a debt settlement company or 2) settling on your own with the creditor. In either case, you need to save in advance to do it; especially in hiring a professional, because now you will be hit with some fees that will cost you. Prepare saving at least 50% of what you owe.

If your credit scores are already low, then going through debt settlement, won't do too much more damage. You can go about settling your debts two ways: 1) through a debt settlement company or 2) settling on your own with the creditor. In either case, you need to save in advance to do it; especially in hiring a professional, because now you will be hit with some fees that will cost you. Prepare saving at least 50% of what you owe.

As others here have posted, pretty much any "debt relief" program short of paying off your credit card balance and all the interest, in full, will reduce your credit score.

However, I would ask the question, what do you want to do with your credit score? Are you planning on buying anything in the near future of large value on credit, like a home or car? If not, perhaps getting some debt relief, like settling a balance for less than the amount owed, would be a good financial move even if it will lower your credit score for awhile.