negotiate with all of those companies to lower the total, then get one of those 0% apr for 9-12 months. Use the checks they give you, to pay down your debt. T

negotiate with all of those companies to lower the total, then get one of those 0% apr for 9-12 months. Use the checks they give you, to pay down your debt. This way you'll be down to 4-5K and you won't pay any interest on it for a year...which should give you plenty of time to get back on your feet