do it yourself debt settlement

We need to know more info in order to better assist you.

Who do you owe ?
How much ?
How many months delinquent are they ?
Did you do any balance transfers or cash advances on the accounts ?
How much money would you be able to afford to put aside each month to be used to settle ?

Do you want to settle or just get better terms so you can get a hang of your finances until you can pay off the full amount? If you want to pay off your debts the right way the first step is communicating with your CC companies to figure out if they have any type of payment plan options or "re-Aging" programs which would allow you to do so. Call them to see what kind of options are out there before you head straight to debt dettlement because that will be more harmful on your credit than getting a better interest rate and paying off the full debt. Even if it takes time to get this done.