Need advice on debt relief/reduction agencies

I’m asking for insight, not judgement. I have about $20k in unsecured credit card debt that’s becoming unmanageable now. The debt is from divorce, medical and some living expenses while I was out in short term disability. I’ve always tried to pay more than the minimum but the Dr stopped and became the minimum as the COL rose. I already work two job’s and don’t have capacity for a third. I’ve got nothing left to sell other than plasma. I’m cutting back and living more frugally, though not monastic. I don’t leave my apartment other than for Job #2 and Job #1 (which pays me a modest salary) hasn’t given my unit a raise in two years, and at this rate of inflation it’s not like 2% is going to be noticeable. My FICO has plummeted about 80 points due to my struggles to pay additional medical debt. For the first time in 20+ years I’m looking at how to pay Peter without robbing Paul. I’d rather spend 6 months in prison than spend five years in a CH 13 bk. The anxiety is becoming overwhelming. Can anyone suggest any credible debt relief agencies that could help me out?

TIA