Anything you can do to lower that interest rate is OK in my book.
Are you able to get a CC that has a 0% introductory offer for 6 months or so? That's another option but it is admittedly temporary.
Sounds like you are only paying $50 a month on the cards. That comes out to 18 years without interest to pay them off. In which case, you have an income/expense problem on your hands and may need a second job. In any event, you can't keep paying $50 a month on a 20% interest rate on $11,000.
Some here have mentioned using a HELOC, but I've never owned a home so I wouldn't know how to advise you on that.
Sorry to hear about the circumstances that caused the situation. When you are able to get back on your feet, this is the kind of situation an emergency fund could help alleviate a bit in the future if you didn't have one, but this sounds like it was a pretty major hit.
This post was edited on 2/8 at 1:02 am