I don't know about fixing the whole puzzle piece as I'm a n00b to this site.
However, I don't know that anyone suggested a simple step like paying off your credit cards by paying them off from smallest balance to largest. Pay off the lowest balance credit card first with the largest payment you can reasonably afford, while making the minimum payments on the others. Once the first card is paid off, take the amount you paid towards getting that first credit card paid off, add that amount to the minimum monthly payment for the next card that has the lowest balance and get that balance paid off, while making the minimums on the rest....
Every time you pay off a balance, you'll feel SO good. I know, I just did it, and am now down to one cc balance to pay off.
You can do it.
