My best advice would (if you have okay credit) get a line of credit from your bank or a loan and pay off as much of your credit cards as you can. The interest r

My best advice would (if you have okay credit) get a line of credit from your bank or a loan and pay off as much of your credit cards as you can. The interest rates from a line of credit are MUCH lower than the 10,20,30% interest your credit card company is charging. You'll still need to come up with a minimum payment each month, but you'll pay less in the long run. If you're in good standings with your bank and your credit isn't terrible, you should be able to get one. Now, I'm not sure about how banks are lending with the financial crisis, but it's worth a try.