re: Need advice on paying off debt

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Highest interest rate first, and that is almost certainly the credit cards.

Paying off the cards has the additional advantage that you don't need an emergency fund while you're targeting them. If an emergency does happen you can charge it back up.

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I would go with this plan. By paying off your credit cards first you've eliminated the debt with the highest interest rate and given yourself a safety net in the case of an emergency. That way you can feel a little more comfortable aggressively paying off your wife's car afterwards. And if something does come up, then use your money to pay the credit card off again and then get back on track with your wife's car.

Unless you consolidated all of your debt at a favorable interest rate - something I don't have experience doing - I think the above is your best course of action.