List all your outstanding debts. Now if you take out rent/mortgage monthly payment, car payments and student loans, can you pay off the remaining in three months. If not you have to much debt.

The Action Plan. List all your debts from highest interest rate to lowest interst rate. This is the order that would best serv you to pay off these debts.
Credit Cards. One of the biggest traps in your wealth progression. Don't get me wrong, credit is almost an essential to creating wealth and a big part of our economy, but using credit cards to suppliment your income is just the wrong way to use these financial tools. Remember the banks make money off the debt, but the card companies make money off each transactions (usually $.15 to $.25 plus 2% of the transaction).
One method is to just cut up the cards. However this is not always the best. You may need them sometime in the future. One thing though, even if you pay them off, you can close the amount. If you choose this method, I recommend you wait until after you pay off the account otherwise the card company may, and probably will, jack your interest rate up to the maximum amount. Also, keep in mind that closing your account can show up negatively in your credit report.