7 credit cards shut most of them down bargained to

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You've got several options;
1. consolidation.
2. settlement.
3. bankruptcy.

Couple of questions;
How much do you owe, round numbers and to whom?
Some are a lot easier to deal with than others.

Explore the forums, use the search feature.
Decide on a plan and stick with it.

Please keep us posted.
King "Kash" Jabba Labba

You should start living frugally. Create and follow an effective budget plan. This will show you the areas where you can save money. Curtail your unnecessary expenses. Avoid dining outs. Save as much money as possible. Do part-time jobs. These tips may help you keep up with your payments.

You can contact a reliable debt consolidation company and get help of debt relief program. Otherwise, you will have to change your lifestyle. You may cut down your daily expenses and find out another source of income or, you may request the creditors to extend the time limit.