My own bank won't help me. How do I consolidate?

Hello everyone, and thank you in advance for your replies.

I have about $20,000.00 worth of unsecured credit card debt (across 3 CCs and one Line of Credit). I have no trouble making minimum payments, but at the same time, I am not really able to pay enough extra to get out of debt and I see 65% of my payments vanishing into interest. It feels like I'm just throwing away money, month after month.

My first idea was to get a large, low interest loan to consolidate, but after some researching and several applications, I was unsuccessful. The main reason for being turned down was that I have too many accounts that are too close to their limits.

I managed to get a the accounts paid down a bit, but then two of them decided to lower my maximums to just a small margin above the recently lowered balances... so even though I was working hard to solve the problem mentioned above, it seems my banks and credit card companies are determined to cripple me.

My next plan was to pay off the credit cards one at a time (high interest cards first) and that is what I am currently working on... but at the same time, I think I really need to get another credit card, loan or line of credit to consolidate a bit.

Here is my situation in more detail:

The Line of Credit with my bank is still nearly maxed out around $3,500.00.

The credit card mentioned above is closed, but I still owe $3,500.00 on it.

I also have a credit card with my bank that is nearly maxed out around $5,000.00.

Finally, I have one open credit card outside my bank... this is my only backup plan in case of an emergency at the moment, since my other accounts have been reduced. The card, of course, is the one with the highest interest rate by far, and yesterday I received a notice that it's about to get worse. They are raising the interest to 22.99%. My choice is either to close the card and pay it off at the lower rate or to accept the new interest rate. I don't want to close this card because really, it is my last bit of emergency money.

So, that's where I stand right now.

My question is where do I go for help?

Is there anywhere that I can get a low interest loan, line of credit or credit card that won't charge me an arm and a leg on balance transfers?

I was googling for a professional service that could help me. Has anyone tried debtsolutions. com ?

Again, thank you in advance for your replies. I appreciate any suggestions you may come up with.