It depends on which direction you wish to go. I own a mortgage company in Arlington, TX and we can do home equity loans...which will give you the best interest rate (with a tax deduction), but if you do not have a home or equity for that matter, you may want to call a credit union to see if they have an unsecured loan to help you consolidate your debt.
ost of the CCCS-type companies are not as helpful as they seem. They take 15% off the top of every dollar you give them as their "contribution" and they divide the rest of your money to send to your creditors (whether they agree to accept a partial payments, or not). Then they mail your payments(along with veryone else's) at various times of the month- irregardless of your due dates. So you end up with late fees added to your bureau.
If you stay "in the plan" until the end, some of the creditors will remove the late pays on the credit report- but not all. So, your credit can be ruined. But if you watch them like a hawk and change your due dates to coorespond to their dispursments you will be much better off.
Side note: if a creditor calls you- take the call. The debt management company will tell you not to. But this is not bankruptcy and you are not provided any protection under the law. Plus, the creditor will enlighten you to any damage being done to your credit report. Hope that helps. I have a lot of experience in this area. I have worked in credit for 11 years.