Debt Non Profit Relief

Hi, I Am Going To Do A Debt Relief Program - (not A Debt Settlement) But The Kind That Is From A Non Profit Organization That Is Able To Stop The Interest On Your Credit Cards And Then You Make One Payment To Them Monthly (but You Still Pay What You Owe - They Don't Cut The Bills In Half) And They Disburse It To All Of Your Creditors. Now I Have Done A Lot Of Research And Know That These Companies Are Not Fraud Like The Debt Settlement Companies Which Is Why I Am Going This Route. But I Need People's Opinions On Which Company To Use And What Kinds Of Fee's Are Involved. Thanks!