re: Best way to reduce credit card payments/debt?

If nothing else, transfer the balance to a 0% interest card and pay down as much as you can before the promo period runs out. Then, if need be, do it again. Even if you have to do it twice, the amount paid will only be 4-5% of the balance transfer, which will hopefully be lower if you have to do it a second time.

Or, refi the car for the amount that it's worth (not sure if you can do a cash out refi on a car), and pay off the CC with that.