If you should need professional help, Greenpath Debt Solutions is a non-profit organization that standby ready to help.
It's been helping people since 1961, and has 60 branch offices in several states.
If you need a consultation, it's free.
If you sign up for a program to pay your debt, Greenpath Debt Solutions charges a percentage of your monthly payment, but never more than $50, with the average fee being around $36.
Here's a link to Greenpath Debt Solutions: http://www.greenpath.com/