Credit Card Debt, Should I use Debt Managment? Greenpath?

welllll, being young and naive I sort've got myself into a little mess with credit cards. I owe about 30k in credit card debt and a bank loan + 5k in student loans. Well, I'm having hard times, perfect credit for 12 years until I lost my job at the post office. I was working thru temp 1 day a week, now I'm working minimum wage and haven't paid on any of 5 cards in 3 months. I explained the situation to the creditors and told them to please stop calling me so much, I recieved 20 calls in a day from the one company! So my car blows up too.. I did have the ball together, was starting my own business,, now everything fell apart, car blows up, gal left w/ kid, living in hell,,, please help my broke asz.. has anyone used Greenpath debt management? Chase sent me there way, they said they will get the cards down to 2%, consolidated, and paid off in 59 months. I don't care about my credit so much, I just want get my life together again.. So basically i'd be paying $560 a month instead of almost $900.. It wasn't hard paying these when I had a good job, but now its near impossible..Thanks for your opinions!!! You can call me a loser if u like ;)