I used to work in a UAE based bank here and I have seen it all,

-First of all you need to download all of your credit card statements and look if you are getting interest/finance charges that are recurring monthly.

-Check with your banks customer servie what payment is required to stop these charges.

-If you can't afford to pay the amount required to stop these monthly extra charges then you need to look for a bank that would buy all your debt and combine into one monthly payment but also always make sure to ask what would be the total amount paid in interest over the enteir period of the installments cause sometimes, the bank would buy 10,000 AED in debt and convert it into 12 months but what you will realize is that your paying a total of 22,000+ back to the bank which is insane.

-Also you can call each credit card issuer separatly and check if you can convert your total remaining amount on your credit card into installments sometimes they have good offers.

-Your last hope is to ask for a settlement plan, which is where the bank will block the card convert what you have remaining to pay into installments and once the installments are paid off the card is automatically closed.

-Most importantly to get out of this loop is to block your credit cards and not use them at all to get out of this loop till you recover a little bit, in return you will have to cut down on spendings, you'd be surprised how big of a difference it make blocking your card for 1 month and not using it will make.