Brother it sounds like you are overleveraged. Balance Transfers won't save you. Really difficult to transfer $37K and play the BT game. Your car loan is half of your yearly income. Which those 90K are significantly less because of SE Tax and Taxes (you are paying those, right?)
PenFed is super stingy so don't waste an HP. Sounds like you are under 5/24. Apply for a Chase Biz Ink or consider Skyla CU (if you can backup your income)
Consider credit counseling and financial education.
@KB808 wrote:"... got scammed pretty hard, and had a bad lawyer that lost what should have been a winable case. Then had some businesses not do so well."
First of all, do not take this as an attack or a dig. Since you have been a victim of scams in the past, I want you to understand that there is no easy solution to this debt situation. I am saying this because since you have been shopping around for cards, have a looming balance you will start getting mailers and targeted ads offering "relief" o "consolidation loans". Especially as you move from the BT strategy to shopping for consolidation loans. Anybody that is willing to underwrite a loan to you in your situation will put you in a worse financial situation than just keeping the credit card balances. Again, there is no easy solution to this but arduous hard work in the upcoming years.
Since you are an entrepreneur, your main asset is access to credit in order to expand your business. Do not let one of those "relief" companies take it away from you. As you draw closer to the 0%. Call your creditors and ask them to enroll you in a workout program or hardship program. That will give you some lower interest and allow you figure out if this venture of yours will pay out long term. I say this because even though you feel like you have "a strong income" reality is that you are still in the baby steps. The next 2 years will decide whether you are in business or not, and this debt will make it that much harder for your to be successful.
I once was in a similar position of trying to "juggle the debt" or "trying to find just one monthly payment". There is no easy way out. Your next steps should be 1) do an audit on how you actually spend the money. You might tell yourself right now that you only used to cover necessities while you were down or that you only used it to start your business, but an audit will make you realize that those are lies. Any purchase outside groceries, paying your household *essential* bills, and gas was an unnecessary expense. 2) considering downsizing your vehicle. 3) Learn the Baby Steps from Dave Ramsey.
Lastly, to reiterate: stay away from anyone that promises that you will get rich quick, or any company that tells you that they can get rid of your debt. Both of those options will result in you transferring your potential wealth to others, they get rich while you suffer the consequences. I wish you well in your future endeavors and if you ever want to chat you can send me a PM.
Ps. I would recommend you watch this: Okay, I Think I’m Done… | Financial Audit. The host is super obnouxious and is there to sell their sponsors products. But the conversation itself helped me reflect on my past self, because I too sounded like this guy when it came to credit cards.
Might be time for a HELOC.
PenFed would be ok for this. Don't tie up all your cash in paying off the cards until you figure out your SE tax and make sure you are saving for maintenance for your car, since it's your main source of income.
