cannot make our payments

When you registered you were prompted to leave contact information and a debt management counselor should contact you soon.

Get all the latest statements of the credit accounts and calculate the total balance. If it's a huge balance, debt settlement will be a good option. Or, you can consolidate everything under one payment. You will get a lower interest rate in your pay off. See all the options on which you can discuss with the counselor.

Discuss your repayment options with a counselor. He will work out an affordable payment plan for you.

onelamb, does the counselor contact the credit card companies then?

I was told by a counselor that they contact the creditors after the customer enrolls in their program. They give you different options about the repayment plan. They have experiences working with different creditors and know how the plan is to be framed. After you agree and sign their contract, they start negotiating with the creditors.