[spokeshave]

You can also consolidate a couple of the high interest cards into a ZERO interest card for 21 months....make the minimum payments (about $220 on $15,000) and pay of the others...

This will give you some breathing space....

I put all my cards in a glass jar of water...frozen in the freezer.

[spokeshave]

also look for a second job....

examine your supermarket and food bills....

buy in bulk...get 2 for 1 offers....cut coupons.....make your own lunch to take to work.....take a pot of coffee with you to work....dig up the lawn and plant potatoes and other veggies (added benefit is the exercise)....enjoy life as those cards get paid down.,....

I keep a big sheet at my desk showing each credit card and mortgage on a monthly basis....keeps the motivation up.