Ok so you are harrassed by the credit card companies calling every month even every day to tell you about your late paymetns( as if you didn't already know!). So what to do? Well you may need to consider making some considerable changes towards relieving your credit card debt.

The first thing you need to do though, is simplify your life by consolidating your credit card debt. You can do this in one of three ways.

1. Home or Secured Loan - If you own your own home you may have some equity which will allow you to take out a loan at a far lower interest rate than what you are paying out now, enabling you to pay off all your credit cards in one go and reduce your payments by alot per month. This will make it far easier for you to keep up with your payments on a monthly basis and relieve the pressure of the credit card companies calling you all the time!
2. Personal Loan - If you have good credit you may be able to take out a personal loan at a lower interest rate to pay off your cards, be careful though, if you have bad credit you may end up paying the same amount of interest on a personal loan as you are already paying, so keep this in mind.
3. 0% interest - if you can transfer the balances to one low interest card and then make double payments to help clear the debt quicker.