Ok, good that you recognize the current situation. Ok, can a family member, friend, or parents lend you some money to knock out some or all of the debt? You would pay them something in terms of interest as you pay it off regularly.

Some people may advise against it, but does your work allow you to borrow against the 401K balance you have (assuming you have some money socked away)? At least that interest rate is lower.

If nothing, worse comes to worse, you need to just look at your 3 cards and figure out which one is at the highest rate and just methodically each money pay it down. No more credit charges unless absolutely necessary!!!!