Personally, I wouldn't use those services. I'm in sort of the same situation now, but its getting better. Should be completely debt free by i'd say November, aside from student loans.

Basically, just sit down and take a real hard look at how much you're bringing in vs how much you're spending. Cut back anywhere you can that you know is a waste of money ex: $5 coffee @ Starbucks. And then essentially allocate the left into paying off the debt.

Always try to pay more than the minimum, and try to pay the maximum you can without starving yourself lol. Cut back as much on discretionary spending as possible. Don't go out to eat, don't go to the movies, and definitely don't make it rain at the club .