Eric's Credit Community

I am looking to consolidate my credit card payments and get them payed off. I had to use my credit cards through my divorce to get myself out of a not so pretty situation and back to Georgia from the other side of the country (what seemed like the world). I have been home (in GA) for several years now with a great job, but can't seem to get them paid off with the awful rates and multiple lines. I just need to consolidate these into one payment and get them paid off as quickly as possible. I could really use some help so I can get on with my life...this would pay everything off except my house and car...God that would be wonderful! I pay off my loans and debts. I bust my butt at work, and I am an honest, good natured, happy person. I just want this burden gone.

Income:

After taxes--I bring home about $5900/month
Additional Income: $800/month from rented room
I took out 100% financing on my condo in an 80/20 loan, the lender requested that the 2nd be in the form of a home equity line. Therefore-it shows up as a 33,680 "revolving credit line" with 32,150 owed on it. This is why that is so high.

Expenses:

Mortgage: $800
Equity line: $325
Insurance: $265
HO Insurance: Paid annually
Condo Fees: $195
Phone/Cable/Internet: $150
Gas/Electric: $130
Car: $434
Food/Gas: $650
Cell phone: $120

What I am trying to pay off:

Discover Card: $6365.56 @ 28.99% and $176 min payment
Citicard: $7022.07 @ 31.49% and $275 min payment
Please ask any question you may have!