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if i negotiate with my creditors with one lump sum, how long will my credit score suffer for?

Hello. If you negotiate with creditors, the effect on your credit score really depends on several factors:
1. How late will the payment be?
2. How was your credit score prior to the negotiation?
3. Who are your creditors?
4. How long did you go without paying any of the minimum monthly payments you owe?

Typically, your credit score will be damaged for a few years after completing a debt negotiation program but the exact time really varies according to your individual circumstances. If you are able to eliminate your debt and then rebuild your credit standing through showing steady and consistent repayment of new (necessary and manageable only!)debts, you can rebuild your credit score.