How can I pay off over $9,000 in credit card debt with a terrible credit score? ?

Sell some things you don't need. Take an additional job. Stop spending. Reduce your eating habits to just rice and beans as the saying goes. Don't stop for 6 months on a rampage to get out of debt. You will be amazed how much good you've done. It can be done. You just need to set your mind to it. Been there.  Good luck.

Well you already know you can't get a loan, since no one is going to loan to someone who doesn't pay.  You could file a chapter 7 bankruptcy.  The non secured loans (credit cards) go away.  It messes up your credit for 7 years, but gives you a chance to start over.  Or you could ask the card holders to settle for less than the full balance.

Call each and every bank where you have a credit card and tell them you want to close your account. Yes, you can do this without paying it off - the debt is still there and you have to keep paying every month until its paid of, but you can shut off the card so it prevents you from charging any additional purchases.

Then you need to look for a source of income - if you have a job the first thing is to ask your boss if there is any opportunity to work more hours and possibly even overtime. Most managers respect an employee who truthfully tells them the want more hours so they can make extra payments and work their way out of debt.

If you can't get more hours at your current job then start looking for another job. MANY people work 2 (or more) jobs to make ends meet and pay off debts. Look for a job that is either flexible enough with the hours that it will work around your current job or will offer you an increase in pay or hours so you would be justified in quitting the current job (or reducing your hours there). 

Also think about if there are any side jobs you can do. Do you have access to a lawn mower, pressure washer or some other equipment you could use to do side jobs for cash? Put yourself out there on apps like Nextdoor, Facebook or whatever.

The bottom line is to proactively go out an earn as much money as you can.

Pay the minimum payment on all the cards and put every extra penny toward the card with the smallest balance. If they're all within 5% of each other on interest rates then the difference is not enough to really matter, so just knock out the smallest one first and work your way up, once you get the small ones paid you will have that extra money available in your monthly budget to pay off the bigger ones.

You also need to look at your spending and see if you can free up money. Can you downgrade to a cheaper cell phone plan? cancel a cable subscription, Netflix or video game subscription?

Also look for things you can sell. Do you have an old cell phone you're not using? Video games or consoles you don't use (or you could do without for a while and re-purchase later)? get creative.

CUT UP THE CARDS!!!!

Make it a priority to make extra payments on them every Month!!1

God bless

First thing to do when you find yourself in a hole is to stop digging. That means stop using all the cards immediately. Yes, you have been financially irresponsible taking expensive trips and ordering items and door dash food. So stop that right now, today. 

Next thing is strip your living expenses down to the bone, and I do mean the bone. Get rid of unnecessary expenses, like cable, home internet, memberships to the gym, reduce your cell phone plan to a prepaid plan with a base phone, look at what you eat and drink. You get to drink water and maybe something like tea or coffee you make at home. Not K-cup coffee, not Starbucks or Dunkin or Peet’s, coffee you brew at home in your coffee pot. Eat super cheap, lots of rice, beans, pasta, peanut butter, eggs, that kind of thing. Be brutal about cutting it all back.

Then pour every penny you are now saving into your debt, highest interest rate card first (while still making minimum payments on the others). Look into taking on a side gig if you can, even a part time job nights and weekends. Yes, it sucks to work all the time, it sucks to have no social life, but if your goal is to get that debt paid off, this is how to do it. You made some bad choices, but they are nothing you can’t recover from. 

Paying on time is fine--but you have to pay more than your minimum balances. AND you have to stop using the cards. If you cannot live on your salary or wages, then you have no business incurring debt. Sorry to be so harsh, but that's how you become financially responsible and a better manager. 

You overdraft a bank account and pretty soon your financial life will be more of a nightmare. Do you think banks won't come after you for those overdraft fees?  And that the payments will actually be credited to your account if there is nothing from the account backing them up?  They won't. You'll end up in MORE debt and serious trouble. 

Banks can actually PROSECUTE you for non-payment of overdraft fees and overdrafted accounts. Don't think they can't. 

You've already gotten yourself into trouble--now you have to get yourself out. You have to use every bit of spare cash you have to pay down that debt and get yourself back into control. CUT UP THE CARDS. Stop using them. And pay them off. 

You just have to pay as much as you can. As the balance starts to come down, so will the interest, and you'll see a larger fraction of your payments going to principal.

The good news is, your credit score will be fine after you pay off the debt. Most versions of calculating a credit score consider how much debt you have at that particular moment, not your historical balances.

I hope that by now you've stopped spending money with these cards. If you have the willpower, keep the accounts open after you pay them off - the extra credit limit will help your score.

You have to pay them off, or your life will be Hell.  It may take you a few years but filing for bankruptcy is not an option in your case.  Budget, spend as little as you can on expenses, eat cheaper food, no expensive stuff, cut the luxuries, and live as cheaply as you can for the next few years.  Pay the minimum only on all of the cards and pay whatever extra you have on the card with the highest interest rate.  Get another job for a year or two.  If you can't work two jobs, get a part-time job in addition to your full time job.  Work your butt off until they are all paid off.  Meanwhile, do not continue to charge on those cards.  When they are all paid off, close the accounts, cut up the cards and throw them out.

Call & ask for lower rates. They may give them to you because you have not been late.

The rest is simple. Stop using them and get a 2nd job. You need envelopes, not cards.

https://www.daveramsey.com/blog/envelope-system-ex...

See if you can get a low interest loan, if you can,  pay off the cards and cut them up.   Alternately,   pay the minimum amount due on the lower interest cards and pay off the highest interest card first.   STOP using the cards.   If you do not have cash for something,  do not buy it.   Cut expenses.  You do not need haircuts as often,   fast food,  take out food,  etc.   You do not need an unlimited data plan on your cell phone.   In other words, you need to grow up and show some self control.