<prompt> Human: Hello all, here is my situation.Myself, my wife, and our 3 kids currently rent. We are running out of space 2 BDR1 BATH currently and would like to buy a house soon using my credit. We both have CC debt. Mine totaling around 12k, hers being closer to 18k. I am gainfully employed, making around 85k a year.For a while, we have been trying to pay things down, focusing on the highest interest cards first snowball method, I believe its called?. All the while, the other cards are set on minimum payment auto draft in order to not miss any payments. The problem is, we are now seeing the no-interest promo periods on many of these cards expire, and we are being hammered with so much interest that we can barely make all the monthly payments.Enter my parents. They have graciously offered to pay my debt, the 12k, and allow us to pay them back interest free over 2 years. Hopefully this will allow my credit to rise by June of next year so that we can buy a house. I have never missed a payment on any credit card, and as far as I can tell, my score is only really crummy bc of my high utilization.Heres the issue. We still have my wifes cards to worry about. The payments on one of these cards in particular is just too much for us to bear. It is a 15k AMEX, and the no-interest promo is now expired, so the minimum payment has skyrocketed to over 400. We have long subscribed to the opinion that her credit doesnt matter right now and we will repair it later. Right now, though, we need to make a decision. The 2 options Ive been kicking around are:1. Have her file for bankruptcy. I dont know the legalities of this yet, and howif it would effect me at all. I also feel conflicted bc we spent the money on these cards, and I feel as if we should pay what we owe. But that interest...2. Let all of her cards go past due until we get into a house and pay my parents back, then aggressively pay them off the best we can. We could even continue paying minimum on all of her cards at the moment, with the exception of the 15k card bc I just cannot feasibly pay over 400 a month on it right now. And then we also have to worry about the no-interest promo expiring for a few of her other cards 2 or 3 of them, but only around 1k-2k balance on each.Sorry for the long post, but I appreciate any help or advice you guys can give. Id like any info or advice you can give on the 2 options posted, especially in regards to bankruptcy in our situation, bc I have no idea how that will work. Also, Im sure I have missed details or little things that I should have mentioned, but this post is already a monster. Feel free to ask anything that would help you determine the best path for us. Thanks guys.x200B;EDIT: Thanks again for all of the suggestions. My wife and I have a lot to discuss and figure out, and we intend to do so very soon.  <response>: You cannot afford to buy a home. You need to pay down your debt before taking on more. 