C.M.
do NOT go to CCCS!! You can negotiate settlements on all of the cards for less than you owe (some as little as 15% of the balance). Once it goes to collection, the bank has already sold the debt, so they have their money, and they don't care a bit about what you do after that. The older the debt, the less you can settle it for.
I had a business "divorce" about the same time my first marriage fell apart and had over $120,000 in unsecured debt between business and personal which was settled for about $42,000 a few years later. I negotiated it all myself with the collection companies and never used a 3rd party.
Save your money up and wait until the debts have aged. Then offer lump sum settlements and the price is drastically reduced. I settled a $65,000 outstanding debt to Bank of America for $15,000.
Let me know if you have questions.
C.
P.S. I'm familiar with Dave Ramsey and he has a good system, but it's for people who have not yet defaulted.