I would really appreciate any help. My wife has about 30 grand in credit card debt and is out of work. All of her cards are in her name only and she has no assets. Our cars are in my name only and the lons are in only my name. She got accepted to nursing school and we will be paying almost a grand...

Ok, are you ready for my long story.
December 2007, DH had to close his business due to the crash of the Construction Industry. Had no money saved so we pretty much immediately stopped paying everything and retained an attorney to file BK.
We never got around to filing, were trying...