Need how to do help!

Hi everyone, I am new to this site and its been so helpfull to me. Me and my wife are self employed our bussiness has really slowed up alot.We have six cards of debt.I am not late yet but can not do all payments next month. I have big payments on BOA card.My questions is if I am late on that card ,will they jack my rate up on the other existing accounts.I would be able to make a settelment payment for it probbaly in six months.I owe on that card around 50,000.00 can i just not pay on that card, Or should I not pay on all cards.I can afford the other payment, but not that payment.I tried to get them to lower payment but it is locked in a 5% and they said it would just go up.My other question is If it does come six months down the road and all cards are up for settelment how do you space settelment apart so not all are up at the same time?Thanks so much. PS , after reading for the past 3 weeks of all your guys post I deceided to do this on my own not, with a debt settelment company,I think I can get all the support here. Thanks again!