Hi, I would like to know if this is a good idea or

Hi, I would like to know if this is a good idea or not. My wife works and Im on SS. I would like to borrow money to catch up with the Bills but not sure what firm to try. I did try Legel Help Debt Resolution and they told me they would give me $25,000. The payment would be $432.00 a month for 3 and a half years. I was really only thinking about trying for say $10,000. Should I take what this company offered?
Thanks so much for your imput.
William Gormady Jr.