Dear Melina,
I used a CCCS organization several years ago, and I had a lot of success.
They set me up with a program where they negotiated a smaller payment with my creditors, then I payed them a single monthly payment about 1/3 of what I was doing before.
After I was back on my feet, I paid the whole thing off right away.
http://www.cccsintl.org/
YOUR PAYMENT AND BONUS IF ANY MAY BE TAX DEDUCTIBLE

Edward M. Johnson