u/EmperorsCarcharodon

Hello, I was looking for advice, I am trying to wittle down my credit card debt which I accumulated over a 2 year period of being unemployed, its roughly ~ $22,000 and my monthly payments I make are $700 split between two cards so it just eats away at my paychecks plus I don't feel like I'm getting anywhere. I recently tried getting a loan and was denied but was approved for and signed up for a debt resolution program which I thought sounded great and now not so sure. Im mainly worried about my credit tanking, so I was wondering if I should just keep at it and chop down my credit or if I should stick with the resolution program?