So they are raising your rates on USAA (9%) and lower your interest 5% on Chase, then adding 5% in fees? I'm not even going to count your other cards because the balances are so low you can roll them into your existing cards if you wanted (Chase and a little bit in USAA). Call Chase to lower their rates, if you can get them to lower it even 1% you are better off than going with these credit counselors. If they can do it, you can do it. You were a lawyer, negotiate!
Here's a list of cards with 0% APR on balance transfers for up to 12 months. The caveat is that you must never use CC again and pay cash for everything, or else more cards will just add to the problem.
No, the USAA card wasn't part of the deal, but I see your point. Hey, if we were financially smart, we never would have gotten into this mess in the first place.
And there was a reason I was let go from my job as a lawyer . . . I sucked at it (I gave in to everything).