Going thru credit counseling is worse than a bankruptcy. It affects you longer and I have helped clients when the program has let them down.
They took the money but did not pay on time, therefore more fees for being late and interest compounding. If you are disciplined enough, pay all on time with a little extra.
I have a program that I work with that I have seen success in the past.
I basically let them set it up and then and I decided to talk with the companies myself and it worked for me. I did not like the idea of them making it seem they were making me pay them to pay my bills.
You do understand most of the debt places get funding from companies and they work basically for them when you go to them. I am just about debt free and know it was not easy trying to do it alone but I know the companies know I did it on my own and my score looks good, now.
I would suggest trying to do it yourself but make sure you make payments regularly, it does not have to be the right amount but show you are trying until you can make the payments.
Call and express what is going on and at this point I can pay you this amount, be reasonable and try it. It worked for me.