You could sell your car and pay off you CC debt and buy a car with a sizable down payment.
I would consider this as well. Back in the early 2000s I had a three year-old Mustang that was also PIF... when times got tough, I sold it to CarMax for a little over the book value. I might could have done better with a private buyer, but it was no-hassle, and they were able to give me a check the same day.
I know this isn't what you're wanting to hear - and if you look hard enough you might (?) find other options, depending on your credit profile - but this would be the quickest 'fix'. As Donny suggests you could use part of the proceeds as a down-payment on a new more modest-priced car, and use the difference to pay off your credit cards. In time, you could use the money you will save in credit card interest to put down on a new 'dream car'... the difference is next time you (ideally) won't be saddled with credit card payments.
Good luck whatever you decide!
I tend to agree with this. You're just not going to be able to get a debt consolidation loan until your scores hit the mid-upper 600's. IMHO, it also sounds like you bought more house than you can really afford, as you are paying over 50% of your net income towards your mortgage - the recommended ratio is 35%.
OTOH, if you are able to make the minimums and have no immediate need for credit products, tighten the budget a little, and start paying the cards down with the snowball method.