You can always call your creditors and try and extend terms or ask for 3rd party company's that they endorse to help with credit counseling and consolidation. That way you know the companies are reputable.
I am familiar with a reputable company called CuraDebt. They provide a debt counseling service and can probably give you several options to solve your problems in a fair and ethical way.
You can give them a ring at 888.653.3816. I believe they are on west coast hours 7am - 5pm. Saturday mornings until 10am.