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Credit Cards Debt

Hi all, as i am new to this site i would like to say hello to one and all.
A couple of things that i need a little help with, firtly what is an SOA? .
The main thing is that i own about £8,000 on five credit cards (iknow its bad but i tried to start a bussness) and i am now finding it difficult to repay them all , i keep getting calls from three of them asking for more money but ata the moment i just dont have it to pay, i can make some kind of token payment to keep them off my back but by doing this it will take ages.
Does anyone have any advise please?

Kind Regards

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