text: Negotiate with the creditor to lower your interest and ask for forgiveness of late fees etc that they might have charged.\n\nI have had late fees forgive a couple of times just for the asking.  \n\nNegotiate with every credit card you have, once you get a card witht he lowest interest transfer all balance to that card or as much as you can into that card.\n\nPay the card with highest interest rate first.  As soon as you pay it off, cut that card off and thrwo it in the trash.  RINSE and REPEAT\n\nAt the end you will have one credit card left and pay that off.\n\nAll this while you MUST refrain from using credit again or else it will not work.  Cash your paycheck and use cash/debit card for all your expenses.\n\nMake a list of things you purchase every month and find out where you can cut cost.  Don't goto movies for a year, dont eat out, buy generic groceries, skip vacation and take double pay.  \n\nThe best is use your tax refund to pay off your debt.  Since you are used to living without that money as soon as you get your refund before you spend it pay it all into your highest interest credit card.\n\nGood luck.