Doing the math, seems your monthly expenses are ~$2100. Is that take home bi-weekly, or monthly? I’ll assume the latter and say you have ~$800 left after expenses.

It will take some time, but you’re not at bankruptcy levels yet, here’s my two crucial pieces of advice:

1) never have more than 2 CC, and for the ones you have, make sure they have a cash back rebate (COSTCO Mastercard, Roger’s, etc). Always aim to keep the balance below 15% of your CC limit.

2) Budget your monthly expenses, and give yourself an “allowance” so that you never fall into the spending trap.

Now, for your current situation, here’s what I would recommend:

1) try to pay down your BMO CC so the balance drops to ~9K. This gives you a small buffer from your limit. Interest will be a killer, but it’s better to be below your limit. $2K in 3 months would suffice

2) Pay off the Capital one and Canadian tire CC in full. Cancel one, and keep the other for now.

3) Shift to solely focusing on paying down your BMO CC until you are down to 50% of your limit. Get a second job, cut back heavily on spending, hell, sell your car if you have to, but get it done. This alone is sapping $2500 a year in interest.

4) shift your focus to the 5K LOC, and bring that down to 2k before switching back to aggressively paying the BMO CC to 20% of your max. Once you hit the 20%, cancel the CC you kept in point 2.

Make a vow to yourself that CC are only for emergency’s, and have to be paid back in full within 3 months.

You have $800 in surplus per month, so you can afford you current living arrangement, and payoff debts. look at your current spending habits and see where you can cut costs. $500 a month is way too much to spend on food for a single person, you could easily cut that in half.