Donna, what are the interest rates? that is what you need to think about, paying off the highest interest rate card first. OR if you can get a lower interest rate set for a year, you know those transfer balance checks they send you to combine balances at a lower rate then you have to pay them off over that year and they will then switch over to a much higher interest rate. some times it is easier to get a small loan we did this with ours thru capital one. to pay off ours at a much reduced rate I think it was like 8%. WE had a set amount to pay I think we paid it off in a year.
I would call capital one and see if they can give you a consolidated loan to pay off your credit cards and give you a set amount to pay each month. just my opinion. that worked best for us. or you could use the checks to get the very low interest rate to combine them and then be determined to pay it off in a year, usually those are like 1% or even 0% just for a year though.
good luck hope this helps.
bizi