A few years ago I found myself to have too much credit card debt. I was not behind or late in my payments, but felt I could never catch up.
I called Consumer Credit Counseling and set up an appointment here at our local office. I brought in all my statements so that the worker could set up each of our accounts. They worked with the creditors to either lower the interest rates or eliminate all the interest rates all together.
I was able to make my monthly payments to CCCS directly and they distributed the payments to my creditors each month.
I never had any bad markings on my credit report either during the program or after. We actually purchased a home while on the program.
Getting on the program did help me, although I still have recent credit debt--just not as much!