You need to start selling what ever you have to get rid of your debt. Most importantly stop spending. Several people on her gripe when I post things about debt, I think because they assume they are immune from financial woes. Stay away from debit as much as you can. Most of us are a job loss away from ruin, that is why I say learn to live on a cash basis.
As for me I have one credit card, that I only use to rent cars when I travel. Debit cards can be used, but it is sometimes a pain to find a company that will accept the for rentals. The rules vary from location to location.
One thing you can do is contact Consumer Credit Counseling, they are now called Apprisen. http://www.apprisen.com/ They will contact the lenders get your interest reduced and have you make one payment to them. When I was younger I got in credit card trouble due to my own stupidity and youth, they helped me out with about 20K in CC debit.I was about to get it paid down to 0 in 3 years IIRC. Never again have I held a CC balance. I use debit cards only, unless I am at a car rental counter.
You will take a minor credit ding, but if you dont use credit anymore that is not a huge downside.