Start by closing the credit cards accounts so you can’t run up any more on them

If one of them has a good balance transfer deal, maybe look into it so you don’t have as many accounts to deal with. $20K in credit card debt is a good chunk with $40K in income. How much of the debt is work related? How flexible are your hours? How populated is your area? There are people that do pet sitting and house sitting that are pretty flexible hours. We pay our pet sitter $20 each time they come and they probably aren’t at the house more than 30 minutes. Uber is a good option if your car is in good shape and you have people in the area.