I don't have much advice with dealing with CC companies. But I agree to stay away from the debt consolidation services. You may not have to pay as much now. But they ruin your credit. And it is on your report and will screw you up for a long time to come.
I think the best course of action would be first contacting the credit card companies. Let them know the situtation you are in and that ch 7 is a possibility. They don't want that, and will do what they can to help you.
If they don't help you, then I would look into a personal loan through a bank or credit union (credit unions are a better bet since they don't care as much about credit rating). Then payoff the credit cards with the loan, and focus all your extra money on the loan. Or as someone else suggested, refinance your house, or a home equity loan.
But bottom line is you want to lower the interest percentage, as that is what is killing you. First step is to try and talk it out with the CC companies. Then, if they won't work, find a way to pay off the CCs and deal with a lower percentage loan.
