DIY or paid company?Also,another ?...

Okay, I have been searching all over this forum, but maybe I am typing in the wrong key words for my question..?? First off, thanks for all the help before, and after this post! Alright, I have 4 cards, one is paid off. They are as follows..

CitiCards= 20K
Fia Services= 10K
Bank of America= 7.5K

I have about 5-7K coming in about 2 months from now, and I am wanting to try to settle something out.. I am not getting killed by the finance charges, like BOA just went up 2 months ago, even thought I was current... Anyway, I looked into a couple of debt firms, OVLG and Yellow Brick Financial.. I was just worried about the age (or years in business) of the two. I also was thinking that I may be able to settle these on my own. I guess one of my questions is this: Can I settle out just one or two cards right now, then try the remaining next year? Like take out BOA and possibly FIA (Isn't FIA a part of BOA)? While still being current on the citicards until I am ready, or is this just not something that is done that way? My wife and I are still open to Debt Settelment companies, but are danged confused on where to turn to. So much info is given out there, but then the disclaimer is given also.. choose who you are comfortable with, which I agree, but given these two firms have short histories, bbb may not be all that accurate yet, ya' know? Hmm.. thanks in advance for all help, and I appreciate the efforts of this site for us that need it! :) :)