Stop charging stuff.

Assess your financial situation by completing a budget worksheet. Find out if your income is less than your expenses, or how much wiggle room you have left.

Make a budget and stick to it. If your income is not enough to cover your basic living expenses, make some changes fast. If you have enough to cover your basic living expenses and credit payments eat the rest, tighten your belt and consolidate some debt.

Sell your stuff. If you can downsize your home, do it. If you can sell any of the stuff you bought on credit or otherwise, do it. If you can take out a loan on your 401K, do that. At least you will be paying yourself back at a better interest rate than you are paying the creditors and not getting any benefit from it at all. Consider taking a second mortgage on your property to take advantage of that interest on your taxes.

Pay a little more than the minimum. Once you have a budget down and are sticking to it and you come into extra money, put it toward your debt. When your minimum balance due shrinks because of your payments, don't reduce your payments, but maintain them. You will be amazed at how much faster your debt is shrinking. Credit card companies are literally banking on you making only the minimum payment due each month. They know that they have a long term cash cow in you.