I believe there are credit counselors who will review your overall debt situation -- never mind the backstory -- and then assess your present income, expenses and such and then tell you the amount (every pay period) they will need in order to try to negotiate with your creditors and come up with some terms everyone is willing to accept. I would guess most of those kinds of agencies have their own fee for services rendered, and there is nothing they are doing that an individual cannot do for himself or herself even though the agency would have a lot more experience in doing all of that. If you might be so inclined, do a web search for "credit counsel my-city" (put your own city name there) and see what you get.