say it isn't so

You'll find out that it would take you years and years to get out of credit card debts amounting to more or less $10,000 by just paying the minimum because your interest rates will add up. Why not try debt settlement or credit counseling?

debt, credit cards - what is your goal really, to keep current with your payments (manage your bills) or completely eliminate your debts? if it's the latter, you'd have to completely stop payments because otherwise, the creditors wouldn't agree to settle your debt for more or less half of its origin...