No, a credit counseling agency will need to do this for you; however, some creditors may offer hardship plans to you directly.
If you decide that a DMP is the right option for you, you’ll need to contact a licensed credit counseling agency in your state. Both the National Foundation for Credit Counseling (NFCC) and the Financial Counseling Association of America (FCAA) are good starting places for finding accredited agencies, which should have counselors certified and trained in consumer credit, money and debt management, and budgeting.
