How feasible is it to combine a credit card with high balance and 13% interest to a lower one that has a balance of a smaller amount with ZERO percent for 16 months.  Then the ZERO percent will go to 9.24.

I have transferred some of my higher rate cards to my 0% cards.  I did this in hopes of paying down the principal and not mostly paying high interest.  I am 41 & disabled.  I live on a small social security income.  I have $7500 in credit card debt.  I thought consolidating was the answer- WRONG!
These companies make you go into default in order to negotiate with your creditors.  If you are like me & pay consistently...why would you ruin your good credit report with bad information?  It takes 3-4 of you not paying your creditors, while your money goes into an account used to hold your money until they feel it's enough to start negotiations- to get you a lower rate & a lower payoff.  Since I learned what it was all about and heard Suze screaming in my head, "Don't do it!", I decided to continue making my regular (auto pay) payments & hopefully be done in 2-3 years on my own.  I do not know if this is my best option & would like your advice/suggestions.  I thought, if I have 5 cards and pay $50 a month on each, I could consolidate to one payment of $250- this was the offer-

How can I pay down any other way?  Is there a better way to consolidate? Should I keep transferring portions of my 3 cards @  20%  to my 2 cards @ 0% ?

I feel buried-