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I have even seen zero interest rates on some credit card plans. If you miss one you typically lose the benefits of the plan, your payments go back to where they were etc.
Sometimes you're restricted to a "free" zone and have to repeatedly buy access to the rest of the game piece by piece, sometimes you're incapable of gaining certain abilities or items without buying them with real world money, sometimes you can buy a copy or pay a subscription fee (and even then, additional purchases may be needed.) Some games just have so much that is exclusively bought that those who pay have such a gigantic advantage over those who don't.
An agency can sometimes get you a better interest rate reduction and lower monthly payment across all of your credit cards, rather than you just “one-offing” each account, and perhaps only being able to settle on 6 and 12 month hardship plans which can backfire on your budget when the payment and interest rate reduction expires. How much money have you saved and what amount can you add over the next few months?
Talking with a nonprofit credit counselor is free, and worth the information you will get, even if you do not go that route. You mention you were thinking of settling your Chase credit card. Do you have additional credit card accounts that you are late with?
If you can swing the payment the reduced interest hardship monthly repayment plan is a good program for you.
If you do enroll in the plan, be sure to inquire whether the 30-60-90 day late payment notations will be brought current on your credit report.
Re-aging is generally only done once during the lifetime of the account, and hardship plans are generally not offered again later, if you fall off of one.