Working with Credit Card Companies

First of all I made the huge mistake of signing up with a debt settlement company. By the time I realized this I was already about 3 months behind on Cap One( 2 accounts ) Citi, Discover, and Wells Fargo. Discover worked with me and I will be up to date next month. I thought that Cap One was working with me but I received a default notice with them even though I have been making all of the payments that we schuedled. Citi is accepting partial payments but keep raising the min amount due. My question is will these companies ever back down so I can get the accounts current. I keep telling them that I do not have the money to bring them current but I can make payments monthly to them. I just not sure how to proceed with them I dont have lump sums to negotaite a settlement I just want to catch up and make monthly payments. Has anyone else out there expierenced this problem and how did you get the companies to work with you. Thanks