credit card debt…help!?

We hit about ,000 in assign label debt. you am unemployed. We hit been right away vital only off my husbands income (about ,000 annual). It is removing really formidable to compensate downbound the debt. It is thickened to hit payments upon time, creation it materialize scarcely subhuman to ever get out of debt. Has any one listened of regulating companies kindred to Money Management International (debt conversing organizations) to connect as well as compensate off assign label debts? If so was it the destined experience? how will it start the credit? or should you only keep perplexing to do this upon the own. Any assistance is most appreciated!