It would be important to know how many cards you have and how much debt each, and interest rates to put together a restructuring plan, but hey, any way I can give you some advice. I would suggest you to get a personal loan in the amount of your debt, so you could pay off all your cards in a single payment and owe to the company that gave you credit, but the problem is that it would be difficult to give you credit for your level of debt, in any way, you could try. Here settle credit card debt on your own that might you can try. First, try reducing the number of cards, by consolidating / transfer of such debt. For example, if you have 8 cards, you could reduce it to 3 or 4 transferring credit card debt.
Ideally, to be transferred to banks that are less than they charge you to transfer your debt. If within the cards that you are the banks mentioned above, still make the attempt, to make it to the card. Subsequently, the problem would have declined only 4 cards, most likely they will give you a preferential interest rate or even zero during certain months. If this is not efficient or cannot be entirely appropriate that you go to the banks to seek agreements, this is to restructure your debts to a number of months with a pay freeze. For more details about settle credit cards myself there is one site that you can visit. The site is Settleonyourown.com.

