Debt consolidation through a Financial company or not?

I am inept to equilibrate the tall bills upon the little of my accounts as substantially as am perplexing to wager if we should go by the Credit Counseling association to have my accounts/debts consolidated, or if it is only improved to intend in hold with the companies i owe (mostly CHASE…lol) as substantially as handle it them to tighten my accounts as substantially as turn payments during the same time. Would we have some-more chances to intend turn rates as substantially as payments when i call myself or is it improved to go by the Credit Counseling office??????

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