Consumer Credit Counseling Management

Do I have too much debt for a debt management plan?
Right now my monthly payments on all my bills total more than what I earn and bring home each month. I make ends meet with my payments usually being late, etc. I have an appointment in a couple weeks to go talk to someone at Consumer Credit Counseling Services about a debt management plan. Does anyone know if they will even be able to help me since my payments are more than my salary? Bankruptcy is not something I’m willing to consider because I work at a bank and would probably lose my job.
You can not get fired for filing Bankruptcy.
It could prove to be more of problem in getting future jobs, if those jobs are related to cash-handling and will require you to submit to a credit check as part of the application process.
I do not think there is a limit on the amount of debt that you have, however here is a link to their debt test.
http://www.cccservices.com/debttest.html
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