I was wondering if the following strategy works, only if you want to settle later:
Stop making payments on at least two of the biggest credit cards we currently have. In other words, the ones with the highest monthly payments. Let's say for example this is a total of $500. Now, every month things are so tight, so we keep $200 of this money to get by. The other $300 starts paying off credit cards with the lowest amount left on them. Once that is paid off, next, we move on to the next card, and the next. Each time we finish off a card several things happen.