I agree with the others that commented -- find a financial advisor to talk about options. In the long term, work on paying off your credit card debt (that will help your credit card relatively quickly). Often, if you offer to pay off everything at once, they will take a lower amount to get the cash immediately. This may involve sacrifices for a while, but is certainly worth it. Also focus on paying everything on time.
Dave Ramsey has some incredible books on debt. They've personally been very helpful to be and will be sure to help you as well. Another option for you would be to find a co-signer. Is there a family member or close friend who would be willing to do this with you?