I really wish someone had pointed me in the direction of my local bank years ago. I went with C.C.C. out of Billings and while they did manage to get my debt (credit cards) frozen and reduced monthly payments to what I could afford, it came at a pretty heavy price. While the payment IS affordable, 60 to 70% of your new payment goes to pay THEIR fees and what's left is applied to your debt.
If that isn't bad enough, the hit to your credit seems almost unrecoverable and stays that way for many years to follow. Credit score doesn't seem like that "big of a thing" but comes into play into many more avenues then you may realize, including car insurance! Having never had an accident and a completely clean driving record, my credit score put me at a class 3 risk, the only other class was relagated to repeat DUI offenders and vehicular homicides etc etc.
Long story short, look for that local bank first and see who's willing to work with you. Personally I can speak highly of both US Bank and First Interstate having done business with both.