Answer:
First step is to put down everything you owe to the nearest penny. Knowing where you are makes it easier to know where you want to go.
Second step is to look at any interest rates on credit cards because you can call the credit card cos. to negotiate the rates. It's worth a try.
Third step is to review all of your income, what expenses you can cut and also the timeframe and on when the money is coming in and the money is going out.