we have 30,000 in credit card debt, overwelming an

You can enroll in a debt consolidation program. In this program, the debt consultants will negotiate with your creditors to reduce the interest rates on the outstanding loans. They will offer an affordable repayment plan to your creditors. Once the plan gets accepted by the creditors, you'll only need to make a single monthly payment to the creditors. The debt consolidators will distribute your money to the creditors.

You can contact with your creditors and explain them your financial situation. If you are not able to deal with yourself, then you can get help from a debt consolidation company and enroll in a debt consolidation program. The debt consolidation company works with your creditors on your behalf. You can also follow balance transfer method. If you want to recover immediately, then you can get a secured loan whose interest rate is low to repay the existing credit card debt.