22% on such a high balance is what is killing you; In addition to looking for a better paying job, one effective change you can make is to reduce the interest you are paying.

If your income is reliable, you can get a personal loan from a bank that would have a lower interest rate than your credit cards. I have no knowledge of banking in Mexico, but credit card rates are also around 22% in my country and personal loans are more than 10-14%; So if you could get a loan, you could cut the interest you're paying by half or a third. That could save you a few hundred dollars each month.

If you have a family, you can borrow some money, if they lend you some money at 0% interest, it could reduce your credit balance, which would reduce the interest they are charging you and allow you to pay off the credit card balance faster.

Do credit cards in Mexico have balance transfer promotions? Some credit card companies will give you a period of time (maybe 6 or 12 months) in which they will not charge interest if you transfer debt from another credit card to a new card with them; This would lower your interest bill and allow you to pay off your credit card balance faster. If you do this, you should cancel the card from which you have transferred the debt so as not to start accumulating new debts.

Do banks in Mexico have distress provisions? The banks here can give you an interest-free period if you can show that you have experienced difficulties, such as your medical problems. You still have to pay off the debt, but eliminating the interest burden would allow you to pay off the debt faster.

However, Celtic Bank in the United States gives the best option for masses to get rid of their credit issues. Apply for Milestone card to get the best credit card in your Pocket and get the perks by using it.