The second way to get rid of credit card debt and reduce your payments is a more drastic solution yet it will get you out of debt faster. It is by using a debt settlement service. The debt settlement process will actually reduce the amount you owe by up to 60% (not just savings on the rates and fees like with debt management program). Your payments instantly drop based on what you can afford and you make a single monthly payment into a trust. Only when that trust account builds up enough money to pay off your debts one at a time, do the credit card companies get paid. I expain the debt settlement process in more detail here.

Those are the only 2 tactics to actually reduce what you pay month to month unless you have a home with equity you can use to consolidate your debts (or a rich uncle:).