Hello K.,
It's always great to connect with another single mom. I have 4 daughters, including a set of twins, and I've been a single mom for almost 17 years.
Be very careful about enrolling in any kind of "get out of debt" program. You're much better off to work directly with your creditors. Everyone is aware of the economic downturn we're experiencing, so you will not be the first person your creditors have heard from! You may be surprised how willing they are to help.
I'm only cautioning you because I contacted a "get out of debt" agency about seven years ago and they eventually led me down the pathway to filing bankruptcy. I ended up losing my home. It was devasting.
Ask your creditors to lower your interest rate and design a payment plan that's workable.
Hope this helps,
~M.
http://melaniekissell.com