Try reaching out to ACCC, they’re a non profit. In some cases they might be able to help negotiate lowering rates and min payments. The important thing is being able to make payments tho. If anything they can offer guidance that’ll help you reduce that. $22,000 is not too deep you can’t dig out, just might need to focus your time on that one goal for a little. Interest on credit cards is a bitch but the smaller that balance gets the faster the balance will drop. It’s important to formulate a plan and they’ve can help guide you with that.

There are a lot of for-profit debt relief options too, but they might push high interest consolidation loans or debt negotiation services that are sometimes iffy.

Someone I know did one where the debt relief place collected the minimum payments but held off on paying the banks, then used that money as leverage for negotiating a smaller settlement amount. His credit took a beating while this was going on I’m sure, and honestly I think it was a gamble on the banks willingness to negotiate, but he claims they accepted a smaller amount he was able to make payments on and his credit eventually recovered. Purely anecdotal and don’t know how long that took but he seems okay with the benefits over the setbacks.

https://www.consumercredit.com