DO NOT pay a company to do it for you I did this and wasted loads of money, there are charities that can do it for free.
Hubby went to CAB with all his paperwork and they sorted it there and then they even printed off a budget sheet for him and rang all the companies. Hubby offered one company £40 a month as he couldn't afford the £50 they were after, after CAB spoke to them he is only paying them £19 a month so by them pushing him for the extra £10 a month they've lost out lol. They write everything down that you owe and give you a limit for household things like food (they allowed us £200 a month) and what was left they divided between companies on some kind of system that the one you owe the most to gets paid the most on a percentage, the computer tells them what that percentage is and how much maximum they can get. Also CAB can arrange for the intrest to be frozen so what you are paying off is 100% debt and none of the interest, this isn't always guaranteed but they will push for it to have the interest frozen.
Also in the budget sheet they make sure the things you have to pay (priority) get paid before they work out your percentage. Priority debts are things like Council tax, rent, water, gas and electric. They rang our gas comapny and asked if we could pay off our debt each week we top up our meter which they were happy to do, so we just put an extra £7 on the gas meter each week.
Thanks to them we are no longer in rent arrears as we know what to pay and to whom every month.
Our lives used to revolve around robbing Peter to pay Paul so some companies wouldn't get paid as other things had to be dealt with but now we know where every penny is going and any left over money each month (sometimes we don't use the full £200 allowance for food and cleaning products as things like bubble bath and washing powder can be bought in bulk and is often on offer so doesn't get bought every month) goes on a treat like a dominos pizza or a chinese for example.
Hope I've helped some huni xxxxxxx
