If you seriously, then reduce their credit cards right now and take the first step towards becoming debt-free. Well, what you waiting for? Do it now. Now you will not have a temptation to spend, when you see these things you absolutely must have.
Once you've done this step, you have proved to myself that you really want to eliminate your credit card debt and mental determination to do so. This is all very well saying you want to do it, but the steps towards it is the only way you achieve anything.
What's next? Well, now you get a pen and paper and sit down with all the information you can get, perhaps, your hands on your financial situation. Examine bank statements and credit card accounts and see where your money is going every month. Can you cut back on some things and free up more money to repay your debts each month?
If you have serious credit card debt then I do not think you should avoid this step. This is absolutely essential that you know exactly where you are with your money before you approach professionals for help sorting it out. Then you can answer all their questions and find out what solutions best suited to your situation.
It is important that more people understand that it is possible to eliminate credit card debt using bits, as well as find the right solution. Whether this decision be debt consolidation loan, the balance transfer or even IVA you must give ourselves the best chances of success are approaching with the correct attitude.