Which is better? To tackle debt settlement yourself or with help?

I am a singular mother of 3 with no monetary help. we impact flooded time as well as have a pt time pursuit to await us as well as get no alternative resource financially. we have about ,000 in credit adjudge debt. we have not been means to compensate consistantly upon them in about 6 mos. we desire to get a debt paying as well as am unclear to bill to do so. Is it improved to try to solve myself or sinecure an group to do so?