I totally agree with Maureen. If you have credit card debt and can't pay it off a consolidation loan is the way to go. Not only will you be able to get rid of the balances it will actually have a timeline for you to pay it off. If you keep paying the minimum payment you will never get those cards paid off at that high interest rate. With a consolidation loan you have so many years to pay it and then you are done.
I also suggest cutting them up and not closing them. If you need to ask them to take your credit line down to $500 so that way you still have something to use for an emergency if you need it.
And to be perfectly honest if you can't pay your bills for 6 months and are struggling to pay your bills now you need to talk to a financial advisor to help you out. You should not be spending any money at all excpet for the necessary things. I hope that didn't sound harsh because I don't want it to sound that way at all. Just more hard help