Debt help, how do I get myself out of this hole?

Im in �7500 worth of debt (store cards and loan) have not yet defaulted on any payments, but its become increasingly harder to keep up. I'm not comfortable with going on a Debt Management Plan and would like to do it myself, where do I start? I would like to reduce my monthly payments, but my credit rating is shot so getting another loan at lower APR is out of the question. Where do I stand with the lenders, is it out of the question to ask them to lower the monthly repayments because I cant not afford them? any help would be appreciated