From my research on debt relief its looks like its just as hard getting out of debt as it is staying out. One problem that prolongs the process of getting out of debt is increasing it. Get rid of all of your credit cards by cutting them in half. The reason that there's no mass of competition among credit card companies is because they all win. If a person has a Visa card they probably have a MasterCard, etc. The best way to manage your money is by budgeting. Keep note of all of your spending. It doesn't' matter how small or how large of an amount you spend write it down! Though budgeting is easier said than done realize that you need to make this a habit.
When preparing your budget you should categorize your spending for each month. Be logical when writing it. You can keep it real simple by having a list of household expenses and then personal expenses. Make sure you have more available for your household expenses. Using estimates work best. You don't want to be the person who has nice new clothes with no lights.
Unlike most who write articles about relieving some of your debt I won't recommend consolidation companies and credit counseling as your first option. Even though there are some legit companies out there, there's also companies that get rich from the fees you pay. Don't fall victim to debt relief scams. A better way to go about it would be to make this type of method a last resort and to make sure that any company you choose is listed under the BBB.
I personally know the feeling of being harassed by creditors. They call your cell, work and home number back to back. My advice would be to either call them back or write them to save your sanity. Some creditors are actually willing to help you if you tell them that you need help. Though keep in mind that you might not have to pay as much interest with settlement payments, but you will still pay some interests. When dealing with credit cards especially due to the fact that any credit card you own you are actually paying to use it. This is how companies make their money.
Going back old school is the best choice. If you want something you should save up for it then buy it. Paying for an item is always the safe way to go about it. 