Help with multiple debts
Debts quite often start out as manageable amounts but if they are ignored they can very quickly spiral out of control. So the sooner you start to manage and reduce your debts the better.
If you have multiple debts the first thing you need to do it draw up a list of all your debts with their corresponding interest rates as this will give you an indication of which debts are costing you the most. The higher the interest rate the more its costing you (relative to the size of the debt).
Your priority should be to tackle and reduce the debts with the highest interest rates first. If you are currently paying AT LEAST the minimum required amounts for each debt (as you should be) you will want to throw any extra money you have at these debts with the highest rates. Once you have paid off the first debt you then need to put the money that you were using to pay off the first debt, to now pay off the one with the next highest interest rate.
Another option is to reduce the interest rates on the debt. One method for this is to have a look at other products with lower rates, have at this article on reducing credit card debt.
Another option for reducing credit card debt is to simply phone up your current credit card provider and ask them if they will reduce the interest rate you are paying. It may be beneficial to quote what rates are available on other cards and that you are thinking of moving to one of these other providers. If you have a debt on a credit card, the credit card company are making money off you, so its in their interests to keep you as a customer which is why they may lower your interest rate.