BeritL, IMO it's difficult to help you to get where you're going if you don't know where you're at right now. I'd recommend pulling your reports and checking your present scores, otherwise you're just spinning your wheels and any other recommendations would be pointless.
I was in almost the same situation. I would say try to get another cc and transfer your highest apr to that card. Or, what I did was get a secured loan from my local bank, I owned my car, so they gave me a loan based on what that car is worth. Then I paid off my highest cards with that. Just keep paying the most high apr cards first, and work your way down. Pay as much as you can. Pay only the mins on the ohers untl the highest is gone.
Thanks. That might help.
Unfortunately, I have way more debt and both cards are almost the same rate... and the car loan idea would work (we just paid one off so we do own it)- but wouldn't even come close to being enough. But at least those ideas would help get the high rate balances lower.
If you want the lowest rate, your best bet may be a Home Equity line of credit. (assuming you have a decent amount of equity in your house.) Plus, the interest you pay is tax deductible, so that lowers the effective interest rate more. With a HELOC, you are turning unsecured debt into secured debt, so it does have its risk, you can't just walk away from the debt as eaily as credit cards if for some reason you can not make the payments, and if you do, they can try to forclose on your home.
A personal line of credit is also another idea. Higher rates, not tax deductible, but you can get it unsecured.