we have 15K debt from 3 credit cards?

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      we have 3 credit cards and 2 of them carry a debt of 6500us$ each reaching max. credit limit of 6500us$ from bank of American and one credit card from capital one having 2000 debt…
      we want to know what is the best way to get rid of this debt of around 15000 us$ ?
      best way is accept balance transfer offer from other card issuer or try to get a debt consolidation loan?
      Please give best solution from your experience..if you are suggesting debt consolidating loan please suggest where can we get such loan?

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