I don't mean to hijack the thread, but if someone is willing to offer advice on OP'ers position, maybe they won't mind looking at my similar situation.
HSBC $900 cap, $100 yearly fee, Balance=$556.51, 30 days late about a year ago, 34% IR.
Sears $1440 cap, Balance=$1206.21, 60 days late about a year ago, 34% IR .
Closed auto loan, $12000 cap, closed 2005, 30 days late about three years ago.
$140,000 2005 mortgage, Balance=135,000, never late.
Divorce one year ago led to lates. Current EQ score of 630.