About start becoming late on payments

Hello All,

I made the decision 3 years ago to quit my job and take care of my father who had a stroke after open heart surgery. Dad is well now!

I have depleted my 401K and next month will no longer have funds to pay my credit cards. I started a new job in Real Estate and will have my first closing in July/August.

I have made arrangements with all creditors except Citibank which stated that because I had a balance transfer (14K @ 3.9% out of a 24 K @ 20.99% debt) at a low rate, they cannot touch the account or help me in any way to reduce payment so that I can pay it off.

I called Citibank 14 different times and no one would help (possibly because I'm current?)

I have 39K total debt with Citibank.

Do I:

1) join a debt settlement company (the one I looked at was greenshield--if anyone has any info on them, please share!)

2) wait until Citi starts contacting me and try to settle it on my own?

Please advise and thank you for your help!