^^^This. If you haven't already, the cause of the debt has to be figured out first. If it's simply living beyond your means, cut out non-essentials. If you've already done that and still can't live on what you make, you might seek council from trusted friends, family, or church staff. Many churches have financial counselors these days.
As far as paying down debt, there are a few basic principals that may help. If you have balances on multiple cards, pay off the one with the lowest balance first. Then apply that payment to the next lowest balance until it's paid off, and so on.
You might also contact the credit card company and ask them for relief. Many card companies will now accept reduced payoffs or set up payment plans so as to help you avoid default, bankruptcy, etc. Both of these options will, of course, require the account(s) to be closed. You don't want to be using these cards for daily expenses as they have no more grace period-only interest accrual. Payments are applied to interest first and then to existing debt and new charges based on the applicable interest rates. See the attachment below.
Another option is using a HELOC to consolidate your debt at a lower interest rate. The danger here is that you first have to figure out the cause and solution for the debt. If you get a HELOC and continue to incur debt, you'll eventually end up with no equity in your house, more CC debt and be in a worse position than you started.
As mentioned above, post pics here so the knowledgeable members of the forum can help you estimate value. They'll likely sell quickly in the classifieds here. That money can then be applied to the CC debt or used for a savings fund for unexpected expenses, cost overruns, etc.
Check out Dave Ramsey. He is highly recommended by many.
https://www.nerdwallet.com/article/credit-cards/how-credit-card-payments-applied
...Ben
