Ignore debt management companies when seeking help. They will charge a fee, thus increasing your indebtedness. Look for organisations like Stepchange, Citizens' Advice or the Money Advice Service. All are free and all are non-judgemental. No-one is going to ask why you got into debt or question what you spend your income on. They will deal with your creditors on your behalf thus removing the pressure of answering phone calls or replying to letters. Both of those, at times can be quite threatening.
Give it a try. Arrange an interview and see how you feel about what is on offer.
Kevin Armstrong, Debt Adviser