Hey, great that you're working hard at tackling this before it becomes scary. I know you say you're drowning, but under $30K for two adults isn't horrific and you CAN dig out of this if you're making a reasonable wage and able to control the reasons you got into debt like this in the first place...
There are going to be others that link to the very helpful and comprehensive site info like suggesting writing up a
case study (definitely recommend) or other debt snowball suggestions. So to get this rolling - Snow ball/rolling... I'm fun. :)
FIRST THINGS FIRST:
Pay the minimums no matter what.
Emergency fund? Do you have one? I'd suggest putting away at least $1k for scary stuff you'd have normally just charged - genuine emergency situations so you DON'T run the cards back up. Not situations where you really wanted takeout or a cool gizmo went on sale and you have to add it to your collection (should consider extras off limits anyway) - more like car broke, body part broke, pay for bail type of stuff. ;)
So the Dave Ramsey suggestion next would be take your smallest debt in $$ and start throwing all your extra $ on that, while maintaining your minimum payments on the rest of the debt. The reasoning behind this is to get you a faster WIN so psychologically you feel better and it encourages you to keep the ball rolling.
But logically (and since your debts are practically the same for each of the 3 listed), it makes better sense to hit the HIGHEST INTEREST card debt first.
So that would be card #2, with the 22.99% interest. Kill it, with as much as you can spare. Every single extra penny you've got - throw it at that debt, while paying the other two minimums and obviously having enough left over to still LIVE.
CARD #2 @ 22.99%
TOTAL: $7089
PAYMENT: $1,500/month
TIME TO PAY OFF: 5 months and total interest paid would be $269
Next, tackle card #1 at 19.99%. Since you should have the extra from card #2 once it's dead (and don't cancel it, but do put it away and forget it exists for like... ever. Well, except to check that there is no fraud every other month).
CARD #1 @ 19.99%
TOTAL: $7,177
PAYMENT: $1,500/month
TIME TO PAY OFF: 5 months and total interest paid would be $239
Once card #1 is down then throw all of it at the remaining #3 card, with the much more reasonable interest at 12.90%.
CARD #3 @ 12.9%
TOTAL: $8879
PAYMENT: $1,500/month
TIME TO PAY OFF: 7 months and total interest paid would be $245
If you could squeeze an extra couple of hundred a month at any point to throw on the paydown, you will super charge your paydown and save even more interest. Also, if you have anything you can return (if you bought a bunch of stuff still unused you can easily return, have receipt and within time allowed - DO IT). And definitely look at selling anything that you can live without and throw that extra at the debt.
TOTAL TIME TO DEBT FREE: ~17 months if you only throw the minimum of $1,500 each month
TOTAL INTEREST PAID: ~$753
This is obviously not accounting for what you've already paid out and it's an approximate since the other two may get larger before you get to them due to the minimum payment. Also, if you continue to use the cards while trying to pay them off, it clouds the ability to pay them down as fast... so they should not be used at all if you can help it. Or if you DO use them, make sure that the new stuff charged is paid IN FULL, IN ADDITION to the amounts you're budgeting for the debt payoff part.
If you haven't already, you do need to get a handle on why you ran up three different cards to the point where you feel they're out of control. Address that stuff now - stress/reward/hungry/tired cycles, the "I deserve new things" sense of entitlement, the thoughtless spending thing... figure it out and lock it down. Start budgeting, track your spending. I would suggest personally to keep all three cards, but the two high interest ones should be only used the bare minimum to keep them active - pay them in full if used at all ever. I have a few cards I've had for decades that literally live in a drawer and have a small monthly auto charge/pay for like cheapy cellphone plan (anything small) to keep them active but I don't use them otherwise.
And note of caution: don't become so crazy about NO FUN that you go nuts when the debt is finally paid and then start feeling deprived so you run everything back up. Allow some fun stuff - cheap or free is great but a few bucks that are built into the budget will not kill the debt paydown if you are smart.
I am NOT the authority on any of this, but it's a plan anyway. If any of the other site's smarter than me folks chime in, it won't hurt my feelings if they suggest better ways forward.
Do not get discouraged. It sounds like you've got a really sweet deal to knock this stuff out and have minimized your living expenses to really put you in a great position once this debt is gone. You can totally do this!! Good luck!