I’m trying to get my life back! I need help on credit management.?

I was on oprah site looking at the debt diet. Im 21 years old and have $ 14,000 credit card debit. I need to do something or im never going to be able to have credit ever again. I found this website www.usdoj.gov/ust and found a counseling service but i dont know if its a good one to go ot. i live in illinois and was thinking about the bloomington one. By the way i am currently working and going to school full time. So its not like im just not doing anything about it. Any suggestions?
By the way im not charging on my credit cards they are all over the limit. I can barely afford to make min. payments…

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