Your ability to get credit in the future will depend on how your Debt Management Plan is set-up. If your budget doesn't permit you to pay full payments, for a period of time some of your creditors might report you are not paying as originally agreed although they have accepted the reduced payment. When you are able to make regular payments again, this notation will be removed although you still may have a notation that you were delinquent in the past.
Also affecting your ability to get credit in the future will be how your credit report looks when you start paying on the program, the consistency of your payments, whether you increased them over time, and the creditor’s reporting policies. If you start a Debt Management Plan, some creditors report that your payments are being made through a counseling agency, others will not. If you are delinquent on an account, some creditors will bring your account current when you start paying through a Debt Management Plan.
After having completed your program, your accounts should be on a current status and all notations that your payments are being paid through a counseling agency should be removed. There should be no further notation on your credit bureau file that you used the services of a counseling agency.