I joined CLA Consumer Law Assoc about a year ago f

I joined CLA Consumer Law Assoc about a year ago for debt settlement. They have been great and I have settled some accounts already. They recently changed some of their ways because of the new law changes and I now cannot sign up any additional cards ( I stupidly held out 4 cards when I signed up to try to keep a few open) that I could not keep up with financially. I have done enough settlements to understand how it works but I am trying to figure out the best thing for these 4 debits which total 35-40K. Two of the 4 which are Citibank have filed suit which I have put off by filing an answer through the Calif Superior Court system. I do not want to do bankruptcy because of my profession (which has taken a 60% or better pay hit in the last 2 years. I am currently in the job market even though I am working bringing in far less right now. My prospects look good and when I find correct employment I can pay things relatively quickly. It's hard to go from $300K/yer to under $100K very humbling experience. Any thoughts and who would be a good debit settlement company if I need to find an additional one? I hate to pay 2 maintenance fees if I do that. I getting harassed by NCO and another comapny so it appears everything is in the hands of 3rd parties so I think it has been sold off. Sorry for being so long but it says be specific and I see you have answered a lot of people and it just so happened that you joined on my birthday Feb 7th so I thought I reach out to you. if you can't help me maybe you can point my to someone who can.
Thanks