I know it's been mentioned, but it's good to first try and go directly thru your creditor if you can. Most places will attempt to help you out because they realize that otherwise they may not get their money. Every year they get a certain percentage of people who they have to write off because they won't EVER pay, and they don't want to increase that number by adding you to it, so if they can have some kind of assurance that you WILL pay, even if it takes a long time and is only $10 a month or whatever, most companies will work out a payment plan suitable for your needs.
If they can't do what you need for some reason, u can try credit counseling but u have to make sure they are reputable and non-profit. All they really do is bargain with your creditors to make interest, payments, whatever, lower for you, but I think if you don't have a bunch of creditors it's easier to just do it yourself. It doesn't seem like you have a problem with overspending, but if you did, credit counseling services provide you with information and help on budgeting and planning and stuff. Some places will even set you up with an email support group of people in debt.
And there are TONS of people in debt, you shouldn't be embarrassed, we've all been in situations that aren't the best, but the important thing is you're not giving up and you're trying to change your situation.
I wish you luck and keep us updated!