You may qualify for assistance through consumer credit counseling programs if you have sufficient income for making minimum payments as arranged by the credit counseling agency. (debthelp.com)
But until recently, data about the success (or failure) rates of credit counseling programs has been hard to come by. (getoutofdebt.org)
If you've had a long term issue with managing your debt, look into credit counseling programs. (valuepenguin.com)