Thank You!!
It was a very difficult decision but after I sat down and ran the numbers it just made sense...I would have been paying a lot more in interest if I took 25 months to pay down.
I have now begun "operation pay-down" phase two:
Pay myself (savings) 500.00 per month
applied the "free" 2k money this month (from no car payment or mortgage due) to highest balance CC (7.1k on 10k CL)
today (bill paying day) paid off 5 CCs using "snowball" method 1.8k
applied the extra $125 & $75 (monthly refi savings & car insurance savings) to same highest CC (will keep doing that until under 20% bal)
and I doubled every CC payment from just paying $10-30 over min
also if any of my creditors want to honor me with a CLI (no matter how small...) I will accept with gratitude..lol
I am hoping that by the end of July I can have every CC under 29% by paying down balances... but I'm not going to beat myself up if I don't 
that's as far as I got for now...I promised son that each payday (I have one) we could "splurge" and have dinner out (as long as we didn't go over $30 )