Hi Sandra, how much is your total debt. Do a thorough research before you choose the perfect debt settlement company for handling your debts. You need to be very careful of the many scams around. Most of them will give you hopes of setting your debts, but they do nothing. Check for the company's feedbacks with your state attorney general. You will be sure of working with a company that is reputed.
Have you signed up for the free counseling here? You will hear from a consultant in your area. He will discuss about your repayment plan with the creditors. Later you can decide whether you want to get started with them.