would CCCS help more than what I've negotiated?

I can't afford to do a settlement, maybe once I get some balances paid, or with a tax refund check, but this is the best I can do.

I called all my creditors and they all put me on a 60month pay off plan with reduced interest rates. Here's what I got.

Debt Min Pay Due Date


Citi Mastercard 212 10/17 9.90%

Citi AmEX 185 10/28 0%

commerce bal trans 157 10/23

Discover business 83 10/3

Chase VIsa(bal tx)/slate 84 10/13 6%

southwest visa 79 10/16 6%

amex delta2010/7 current

tires plus 117 10/7 current

Gap VISA 248 7-Oct 248 on 10/21

HSN 31 10/7 current

gordmans 10/7

then current
american eagle 25 10/5 65 paid

Lending Club 511 10/28
for nxt 3 mos 3500 arrears beranrd car payment 357

rent 895

gas 25

elec bill 25

Cell phone

car maint
miscl 110

100


As I've mentioned before, my income is close to 4k/month, plus I have a roommate now that pays 450/mo. In adding this up it seems very reasonable but will take 5 years. Is a DMP through someone like CCCS worth it? Would it benefit me to try to not pay on some of these and negotiate a payoff somewhere

Only the ones listed are current most are over 90 days, I just called today to make payment arrangements, I just dont have enough to make pay offs on all of them.

Just looking for some guidance