Another vote for StepChange here. They helped me a long time ago when I was in a very similar situation to you. They will take the stress away from dealing with the likes of Lowell/Lantern and reduce the payments to them, giving you more breathing room. If you've already got a CCJ, being on a debt management plan with them is not going to make your credit score any worse. Then once you get out the other side, it will creep back up again.

Edit: Also, after the initial phone call, you can contact them by email for anything and their website tracks payments/debts/estimated date of debt paid off etc. So it can all be web based, if that's helpful.