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Thanks for everyone's input. I'm new to the Fool and love being able to post a question at midnight on a Friday and waking up to a dozen responses. :-)

You also mentioned that you were able to get your balance transferred to a low rate for life. Did you close the cards you transferred from or are they still open? Would you consider seeing what your credit card companies are offering and moving some of her balance onto one of your cards?

Hmmm, that's an interesting idea. I probably would prefer to keep them separate and work with her creditors. I did what someone else in this thread mentioned:

Had two cards with about $7.5k on each. One interest rate went up rapidly for no apparent reason and they wouldn't lower it (and even told me to my face - "it's to cover our business costs." What about my friggin' business costs?!?) I got a good balance transfer offer from my other card and went ahead and transferred the "high-card" balance over. About six months later the original fools (and not "fools" in a good way) wanted my business back and offered me 2.99% for "life" to transfer the balance back. So now I'm in almost as good a position as one can be with $15k in credit card debt.

My wife and I both wish we had known how bad CC debt could be when we were younger. I really hate those companies now. With my own 750 score, one company (MBNA) increased my rate from 7% to 17% overnight and sent me a well-concealed insert in my bill saying that I had to call within "x" number of days if I wanted to "opt-out" of the new rate. They were obviously hoping that I wouldn't notice, which should be illegal in my opinion. Grrr...

Thanks again for the help!

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