This should be a last resort option. If you can only make the minimum payments then you are spending more than you can afford. Start by putting your credit card(s) somewhere other than your wallet. Look at the interest rates on your cards and start by paying extra on the highest rate card. Even if you pay $5 or $10 extra a month that will help pay down your balance. Ideally you should look at the amount of interest you are paying each month and paying at least that much extra to help lower the interest paid. Pay the minimum due on the other cards until you get one card paid in full. Then take the amount you were paying on that card and add it to the minimum payment on the next highest interest rate card. Continue this until you have paid off all your credit cards. If you have a car loan add the amount saved from the paid off cards to your car payment until you pay it in full. This will reduce the amount of interest you pay as well as the amount of time on the loan. When you are debt free take the amount of the car payment and put that in your savings account to be used for emergencies. You should have at least six months worth of income set aside for emergencies, a year's worth is much better.
Tax laws are changing so keep an eye on home mortgage interest, within the next couple of years we may not be able to deduct this from our taxes. You might want to look at setting up a fund for your mortgage that can be used to pay down your mortgage if we can no longer deduct the interest.