You are not in a bad spot. Go with a broad plan implemented over time and the 15k of cc debt will be gone within 12-18 months.
Take the 401k match. 7% should go in.
Refinance mortgage down to a better interest rate. 5.75% rate will free up some cash flow (maybe $80/month) to pay down the debt. This is $1000 more to bottom line per year at $80/month.
I would budget and look for ways to cut costs. What is your monthly budget?
I would apply for a new CC, around a 30k limit, and transfer the 15k balance to this card at a lower rate. If the cc companies do not work with you, you don't need to work with them. Apply for the 30k card, get it, and call the original CC company and give them one more chance.
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