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Who is the collection account with, that will help determine if they are company that may delete for payment?
Most cc companies don't delete lates but you can also try a goodwill letter.
Is her utilization still high, if so she needs to pay that down.
How is your credit?
Ok with a medical debt see if yiu can get the original creditor (hospital ) to recall the debt and try to pay them directly and ask for possible deletion, if they won't delete paid is better than unpaid.
Pay her balances down and if your utilization is low on your cards , add her to an account as an authorized user.