98k in debt can anyone help?

take out a second mortgage on home and pay off credit card debts. cut up credit cards. make budget and stick to it. the home loan will be at a much lower interest rate than the credit cards, reducing your monthly expenses. if you can get enough to pay off other loans as well i would suggest doing so. then with all the money youre not spending on credit cards every month apply to home loan and reduce that as quickly as possible. from then on, if you cant pay cash.......dont buy it.