My Husband and I got into a corner some years ago, and we decided to be our own debt advisor. We got a loan from a relative,(signed papers, pay-back schedule, the works), and then we sent letters to every creditor offering to pay a lump sum in exchange for a reduced balance. Some creditors responded with an offer to write off 40% if we paid them the remaining 60% with a wire transfer or certified check. We did that and after a while, our credit score went up a little.
Maybe you can talk to some of your creditors and see if they will go for a settlement. Then you pay the balance, even if it means not paying something else that month. Get caught up the next month. Or get that 2nd job to save some money, then write your letters.
Anyway, if you can pay off the card with the highest interest rate and cut it up, the following months will be easier. Or you could pay off the lowest balance first, just to take one thing off your list.
I don't know how much of this applies to you, but I wish you good luck.

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