There have been a lot of good suggestions here. Have you tried to talk to a credit union about a debt consolidation loan? Usually they are a little more forgiving with your credit score. I would also freeze your cards or limit access to them at the very least. Lastly, I would look into putting together a budget. If you've never heard of Dave Ramsey, I would suggest taking a look. He talks about budgeting, working side gigs, and getting gazelle intense to knock out debt. Good luck, and know that we as a Pennyhoarder community are rooting for you.