Besides doctor bills and credit cards, I also have numerous.

There are few companies that consolidate pdl loans along with unsecured debts. I assume that you have already registered here for the free counseling. A consultant will call and discuss about your debts. He will frame a repayment plan according to your present financial situation. While you wait for the call, get all the latest statements and the account details you want to consolidate. Write down all your income and expenses for each month and the total amount you will be able to afford in the dmp program. The consultant will put your proposals to the creditors after analyzing your situation.

Have you tried calling your creditors and explain your situation? If they decide to work with you on your terms, you don't have to include that account in the program since you can manage it on your own. Keep re-negotiating until you find them accepting your proposals.