Gather your cards and statements. Calculate total card debt. Put your cards away. this way your balance doesn’t keep rising.
Call your card companies and tell them you want to pay on your card but you can not afford the minimum payment. They will transfer you to a person that can help. Credit companies want you to pay and at this point will be willing to work with you.
Discuss the different options with the rep. Tell them what you can afford. They may offer lower payments if you can have them taken directly out of your bank account. They may offer to settle your debt for a portion of your balance.