sound credit/debt plan?

sound credit/debt plan?

I'm trying to fix my debt situation, and I'm wondering if this seems like a sound means of doing so. A goodly portion of my debt at the moment is utilities. I have two credit cards, neither of which have huge amounts on them, but they have high interest rates. I'm planning on paying off in-full my lowest debt first, which is Utility A (for which there is also no government assistance available). I'm planning on calling my remaining two utilities, setting up a modest payment plan for each, and contacting the government assistance programmes to help pay off what I owe to Utility B and C. When at all possible I'll pay MORE than my payment plan amount. Now here's where I get stuck. I'd like to pay off and close one credit card, and only keep the other. The one I want to close is the one with the highest interest, and with no benefits of use. Is there a way to work with the credit company to set up a payment plan and perhaps lower the interest rate on the card if I'm making sincere payments? I know credit companies make the most money off interest, so I wonder if a CCCS might be the best way to go for this? The second credit card I plan on dividing up what I owe in increments that I am able to afford, even if they are small, and pay as much as I can. As the other debt is paid off, I can increase my payment amounts and pay off the card. Thoughts? Would CCCS be helpful here, or would that be a bad idea?
upholstery cleaner RAVE!

upholstery cleaner RAVE!

The big project to date (almost)

The big project to date (almost)

Final plans for this years garden

Final plans for this years garden

plant identification help (:

plant identification help (:

Hawaiian Schefflera

Hawaiian Schefflera

From a recent trip to Maine …

From a recent trip to Maine …