OK, CC!
This is the only time I've ever heard of a similar situation ending well. It only worked well because my buddy has a stomach for doing difficult things, the hard way. 
His wife had run up $14K or so in CC debt. Dude basically said "I'm not paying a dime", found her a midnight shift job at WalMart where she worked until the debt was paid to $0. She hated working there, being too tired to play with the baby, freedom on weekends, etc... Hiring a babysitter was not gonna really work on what he earned so midnight shift was the only option. Now she has no difficulty keeping a budget, paying stuff on time, and they're both on the same page with finances.
I don't know many dudes who would be that committed, LOL!
Starting Score: 675