You might need to give a little more information in order to get the best options from others. Such as income, FICO scores etc.
With what little I know about your situation, I would recommend a personal loan to roll up your credit card debt into. For instance, lets say you take out a $15,000 personal loan at 9.99% for 60 months. Your payment each month would be about $319 which would save nearly $400 per month over what you are paying now.
Another option would be to play the 0% intro APR game with credit card balance transfers. Ideally you would be able to get one credit card with a very large limit and transfer all of your credit card debt to it and pay as much off as you could during the intro period. For instance, lets say you get a Citi Diamond Preferred card with a $20K limit (this won't happen by the way, just an example) with 0% APR for 21 months. $15,000/21 = $714 per month to pay off your debt before the APR kicks in. This is the same payment you are paying now, but there would not be any interest. More likely you would have to get two 0% intro APR cards and split up your total credit card debt between the two cards.
This all depends on if your credit would qualify you for a personal loan or for additional credit cards (with limits that would allow all of your debt to be applied to them). And if you end up with $8000 on each new card, your credit-to-debt ratio would take a hit for a while.
Also, if you can get rid of that high car payment and get into something smaller without carrying over negative equity could help.
But, without knowing more information, the above is all I can suggest.
