I need to get out of Debt, see my situation and advise

You could consider a debt management plan with a non-profit consumer credit counseling company. It can get you one payment around what you are paying now but interest rates will be lower " around 6%-9%." Other than that your only other option is debt settlement which will hurt your FICO score.

yes debt management can make sense, but given that your rates are only 9 to 14% I would consider just doing a debt snowball and not enrolling in a DMP if you are worried about the affect on your ability to borrow money. Shaving a few percentage points off your debt might not be worth the fees and the credit stigma of enrolling in a DMP. I would first call the banks yourself and see if you can shave a little off the interest rate. These days it is difficult but not impossible.

In a DMP all of your accounts will be closed. If you stay out and pay off the debt youself by using a snowball strategy then your accounts remain open and your credit will improve as you bring down the balances.

As mobile said, debt settlement is another option, but it is more extreme than what you need or are looking for. Do a google search for debt snowball and you should find plenty of detailed information about how to implement it.

It is probably just a matter of time defore the CC companies jack up your interest rates. Non profit counseling is a good idea!