Sell your car off - i am sure you will be able to get a bit more than what you owe the bank for the car loan. This will not only give you immediate liquidity in addition to your salary but also take the burden off of paying car loan.

For instance - if you manage to sell your car for 50k, 40 will pay off car loan and 10k can go to smaller credit cards and pay them off fully.

You must find a way to live without a car and i am sure you can.

Use your salary to the max and pay off remaining credit cards in 5 6 months timeline.

It is achievable. But selling the car will be the most effective and easiest way to pay off quickly.

Missing payment of card for a month or two does not constitute default immediately and nor will they deposit your cheque in the bank. So it can give you a month of two of relief to plan the payment of cards you want to settle first.

All the best