I owe about $64k to 7 different credit cards and h

I owe about $64k to 7 different credit cards and have not missed any payments. 3 of the accounts are at 2% for life, 2 are at 10% and 2 are at 20%. i pay about $1600/mo to carry this. I need to come up with a way to lower the carrying cost. What do you suggest?
I earn about $5000/mo need about $4000 to live.
I spoke with Advantage Financial Services, they want me to stop paying everyone and pay them $1000/mo and they will negotiate. I am unconvinced. This sounds like a bad idea.
I tried asking for better rates with credit cards, but didnt get anywhere. The two high rates are with Citi and FIA.

2 Answers

You can enroll in a debt consolidation program to reduce the interest rates on the outstanding balances. Once you enroll in a debt consolidation program, the debt consultants will negotiate with your creditors to lower the interest rates. If your creditors accept the proposal, then the consultants will draw up a contract. There after, you'll need to make a low single monthly payment as per the agreement. 

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