I am so sorry your family has found itself in this pickle. Have your heard of Dave Ramsey? He has a book you should be able to check out from your library called Total Money Makeover. It will change your life and how you view debt. He teaches the "debt snowball" method which is making all of your minimum payments but throwing whatever extra income towards your smallest debt. So say that's your $900 Victoria Secrets card. The minimum on it is $20.00. After all of your minimums plus necessities are paid you have an extra $250 left (you should first get a $1000 emergency fund before you do any attempt to pay off debt.) you would pay $250 towards that Victoria's secret card each month until it is paid in full. You then would take that $270 that's freed up ($250 extra plus the $20 minimum payment) and move on to the next smallest debt and pay that $270 to it each month until its paid in full. You see, as you pay off each debt you free up extra money and instead of spending it, you take that ever increasing amount and tackle your debts one by one.
Now you must be saying we don't have an extra $250, in fact we can't even make our minimum payments! Then you have an income problem. I know you are a stay at home mom but you should work part-time when your husband is off. Have you considered doing in-home childcare or baby sitting? An extra $600-$800 a month would do much to help you all get out of debt much faster.
Starting Score: 07/2010 TU 541 EQ 593 Exp 529