I suggest you stop paying on that 29.99999% card, join one if those companies and let them eventually get you a settlement offer. Often times if the company would settle to a lower balance, they will lower the APR quite a bit to get you paying again. Then you beel good. You take a minor hit to the credit, but you save a lot of that acct. Do the same to other cards, too. You choose what Accts you want them to handle for you.
This is all if you dint mind a credit blemish.