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I know this question has been covered before but I need advice...

I have about $35,000 in credit card debt (about 12,000 of which was used to pay for surgery) and I make my payments on time. Due to some late payments about a year ago, I've suffered a domino effect where all of my credit cards have an interest rate of at least 25% including one that is 30% (thankfully there's a zero balance on that one). I don't use my credit cards anymore except for an emergency (car breaking down, for example).

I am tired of trying to keep ahead with paying off the debts and want to be rid of these debts once and for all. I don't have much money in savings but my husband and I have a decent amount in our IRAs. My IRA was a rollover from a 401k when I left my job 16 years ago. Since I can't take a loan against the IRA, would it be very stupid to withdraw $35,000 from my IRA to pay off the debts. I know there's a 10% penalty plus the distribution is considered taxable income, but when the credit card rates are 29.99% and the credit card companies refuse to lower my rates I feel as if I will never get this albatross off my back.

Suggestions are appreciated.

Thank you.
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