Help! Can't pay cc bills

[COLOR=black]I have about 20,00 on credit card debt (Some chase, some citibank and discover). My husband recently lost his job and now we have to choose what we spend my income on...diapers and electricity or credit card bills. I cannot do this anymore. I am not sleeping and I this debt is ruining my life. I fee terrible for not making payments on time, but when I send the minimum payment 200 goes to interest and about 40 goes to what I really owe. I have cut up all my cards and we have been living from my income for about a month now. Of course this means ALL my cc payments are past due.[/COLOR]

[COLOR=black]I have tried to not think about it, but obviously it keeps me up at night. I was thinking about going through a credit-counseling agency, but I am also seeing a lot about debt settlement. SO I guess my questions are:[/COLOR]

[COLOR=black]Has anyone gone through a credit-counseling program?[/COLOR]
[COLOR=black]Would you recommend one?[/COLOR]

[COLOR=black]and [/COLOR]
[COLOR=black]Has anyone done debt settlement with a company or on their own?[/COLOR]
[COLOR=black]What should I expect?[/COLOR]

[COLOR=black]I am extremely glad that I found this site because I am extremely embarrassed to be in this situation. I am a school teacher and I sometimes feel that I have let everyone down by falling into this predicament!! I am soo ashamed and helpless... PLEASE help me![/COLOR]