If you need the help of a professional debt management agency, we highly recommend Trinity.  As a non-profit agency, Trinity provides counseling and debt management services for individuals and families who are experiencing debt problems.  Working with creditors on a client’s behalf, Trinity negotiates significant reductions in interest and late fees, while consolidating bills into one, manageable monthly payment. 
 Click on the Trinity Logo on the bottom of the page and you're one step closer to the help you need.