I presume you've got three jack sockets on the soundcard, and have some sort of powered sub + satellite computer speakers?
What you could do is put together a set of variable resistors (potentiometers), one on each of the six audio lines going to the speaker set.
This would allow you to independantly trim the level of each channel (a bit like the inline 'volume' controls on some headphones).
The downside is that you'd have to make your own leads, and, well, it's pretty nasty.
My receiver has analogue inputs for each channel (in addition to digital), but I don't know if cheaper units have them. Also, if you've got a HTIB type speaker setup, then a receiver probably wouldn't help you - I guess you want a processor, or at least a receiver with pre-outs, but they tend to be the more expensive units.