Debit

Due to some recent family health issues I've accumulated more debit then I can manage.

I've missed payments on my credit cards as a result of caring for other more urgent, needs. Prior to this I was making timely payments (while still trying pay down multiple cards).

Now I feel overwhelmed and intimidated. But I really want to tackle it. Ideally I want to do it responsibility while repairing my credit score.

Is it best to try to contact credit card companies myself or try using a credit consolidation company? In the past whenever I've reached out to cc companies they are never bending with lower rate etc.
I know about the Dave Ramsey debit free plan but before I can even consider this I first need to get in touch with the creditors.
Any recommendations or suggestions as to where to start? Helpful questions or requests I should be asking the companies?

Re: Debit

Call the cc companies in the morning and explain it to them. See if they can work with you.