Depending on your credit score, you may be able to get a personal loan at a low interest rate to payoff your outstanding debts. Since you’ve already stated that you won’t be using anymore credit cards you will be able to reduce your debt faster by consolidating to a low interest loan from your bank not the ones you see on TV, they have hidden charges. I’ve done it in the past and it worked wonders. Instead of paying 14-15% on credit cards each month, I was only paying 7.9% for the consolidated debt. The total amount of the consolidated debt seemed high compared to the individual accounts but that goes to show you that a little here and there really does add up. The total finance charges paid year over year was significantly less compared to if I stayed with just paying the bills separately. So with the money you make now, less of it goes to finance charges which essentially gives you more money to breathe. It sounds like you have your spending under control which will help. I know it sounds like an impossible situation but you can get out of it and you’re on the right track.

Don’t get tricked into opening new credit cards with low finance rates or even low balance transfer rates. Those will hurt your credit score. At least with a consolidation loan you can’t be tempted to respend.