<prompt> Human: Ill make this as direct as I can. Between my wife and myself, cards in OUR name, we owe someplace upwards of 11,000 in credit card debt. Details aside, we live a very cut coupons price match sort of life style. We dont have ANY wiggle room to pay off anything extra and have been able to pay off cards only to have to turn around and use them again. No car payments, cant refinance home, cant pick up more hours or another job as Im maxed out in all regards.Ok, many years back I decided to take a chance at home business. Took out store credit card from Newegg. I wasnt able to keep up with demand and sister helped out. She opened card in her name. Card was maxed out and used quickly. Business fell through because of theft of uninsured items. So for the last two years the card has been STUCK at its credit limit of 8000. Minimum payments are around 210month.So Im looking at options to consolidate our credit, but I want to handle this account. Its getting to the point that I wont be able to pay the newegg card and it will affect her card. Not fair to her, and she cant help willingness aside .What can I do? Is there a way to transfer the debt to me? Put me on the card to consolidate or take advantage of systems in place?I simply want to do something with all this debt, and since large portion of it isnt in my name but it is my debt, what can I do? Im sure there are questions, but Ill preempt some of them.Im the only income. I cannot get THIRD job. No car payments. Cannot refinance or downgrade home rent dirt cheap. We cut coupons and live by the price match way of life. Dont go out to eat, movies or anything. Much of our income goes to these credit cards and necessities and SUBSTANTIAL medical bills. Sick family, office visits about four to six times per month adds up with copays let alone medications etc. So no room as far as I can tell in terms of ability to change spending habbits as we dont spend or buy . Thanks and let me know or ask away!  <response>: Start applying to higher paying jobs? 