Should I join Consumer Credit Counseling? They will charge me $468/yr to pay my bills with my money.?

It sounds great, I "only" have about $9k in credit card debt and it should be payed off in 3yrs. Right now I have very little money left after paying minimum payments each month. I will have $145.00 extra each month. However, I've looked into several credit reporting agencies FAQ's and they state that this may hurt you because the CCC agency will be "negotiating" your interest rates, which means you are not paying the entire debt that you agreed to off. I have enough negative items on my credit report so I dont know if this will put my good accounts into negative if i have to close them and then CCC ageny will also note that I am under a debt mgmt program. Any advise, my only alternative would be a consolidation loan, but i doubt i would qualify?