Hate to flog a dead horse here...

Here is the skinny.

12 000 on Mastercard 29.9% interest
15 000 on Visa 19.9% interest
12,000 Taxes to the government.

Income roughly 10k per month.

car payment 633
rent and living expenses not including minimum payments on credit card debt. 1800

Any idea's beyond calling credit card company's and getting them to reduce the interest rate and reducing living expenses?

I just want to make sure I read this right- your income is Ten grand a month? Where is your money going? Why do you have any debt at all? According to the numbers you supplied, you make more than enough per month to be able to pay your debts off in no time, since your living expenses are so low compared to your income.

You must (I hope) have some money saved up if your living expenses are so low compared to your income? If you have any money in savings, use it to pay off your debts. On paper, your debt cancels out any savings you have and the interest rates are killing you. The debt interest way out weighs any interest your savings is accumulating anyways. You make enough to be able to build up you savings in no time after you pay off all of your debt.

I would recommend focusing on paying off the government first, since they can really screw you; garnishing your wages and hitting you with ridiculous penalties if you don't pay them.

After you have paid Uncle Sam, focus on the Mastercard debt, since it has the higher interest rate. This is, of course, on top of paying the minimums on all debts.

Good luck.