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Well you can relax now because i may not be an accountant or a financial advisor that can look at your books and tell you how to fix your problems, i am however somebody who had a lot of debt but found out how to eliminate all of my debt. And i got out fast!
I can teach you a couple methods i used to help me pay off my debt faster and i will later on direct you to a source of information that absolutely changed my life and got me debt free in a month.
The first thing one should do when trying to get rid of debt is to go for the credit cards first because those are usually the ones with the highest interest rates.
1. Contact your credit card companies and ask them to lower your interest rate. You would be surprised how most credit card companies are actually more than willing to lower your interest rate for you if you just ask nicely!

2. And if that doesnt work you might want to consider a debt consolidation loan. What this is is basically just a loan you can apply for to combine all your debt into one balance with a lower interest rate compared to what typically is given on credit cards or pay day loans etc.