are the achievable.com or thecreditcoach.com legitimate and accredited debt management companies ?

I’ve never heard of either of them. Be very careful when looking into debt management companies. They are there to make money for themselves, don’t forget, so you are now paying an additional bill.

Have you tried working directly with whoever you owe money to and working out some sort of payment plan? Check out the Federal Trade Commission website, below, on Credit Repair.