Should I use Consumer Credit Counseling Service for my debt??

I hit about 3,000 in credit label debt from Citi as substantially as Discover. Both hit been live off so a repairs is already ended as substantially as we am twenty eld aged as substantially as we had to hit use of this to equilibrate for college as substantially as we longed for to try as substantially as hit a tiny remuneration devise so we could defintley effectuation a remuneration though both pick up agencies hit been asking for over 100 any period as substantially as we can’t unequivocally effectuation which right now. we filled discover this online focus for Consumer Credit Counseling Service as substantially as they set up a devise where we equilibrate 85 any period as substantially as discover of which fifteen goes to Consumer Credit Counseling Service as substantially as there additionally a glow accumulation intensity of 120$ which includes a record setup fee. Should we go on to do this or try as substantially as speak with a pick up agencies about obscure a monthly payments or find an added Service? we only wish something which we crapper afford. Please help. Thank you