You and your wife might want to consider filing bankruptcy.  If you are eligible for Chapter 7, you could get rid of the credit card debt.  An alternative would be Chapter 13 which would be a payment plan to pay creditors.  You will need to list all creditors on your bankruptcy whether you file Chapter 7 or Chapter 13.  Under Chapter 7 which is liquidation, you can reaffirm debts you intend to continue paying.  If some of your debts are small balances, you might want to pay those prior to filing bankruptcy; however, that is not necessary if you choose not to do that.  It would be advisable to speak with a bankruptcy attorney.  Your County Bar Association may have a lawyer referral service which can provide you with the names of bankruptcy attorneys in your area.