You should list the credit cards from highest interest to lowest because as debt compounds it's harder and harder to pay down the principle which means you're always gonna be in a cycle of debt (I.e the bank gets more money from you everytime you don't at least pay the minimum) and takes longer to pay down the debt because you can't lay down the principle fast enough.

From here you have to find the balance between paying the highest interest credit cards so it doesn't get out of hand and paying down the principle on some of bigger collected debt.

Another option could be YOU, go to the bank(since you have a good score) ask for a line of credit for 12K and pay all her debts, because line of credit tends to have very low interest rates, so by consolidating all of them onto one line of credit on a low interest rate, its like making all those purchases with your line of credit; but the bonus is that you're only paying the lower interest rate on every dollar ( for example) instead of having 3 CC with 20% interest rate and 3 at 15 and 2 at 10 etc. THOUGH, this depends on how much you love your SO. If you guys break up you're on the hook for that loan. Just sayin'

Your goal should be Long Term and don't fret if you fall off the wagon. Debt is a creation of human society so it's not "real" in a sense of a word. It can't come back in murder you in your sleep like cancer.

Realsitically, if you two can live relatively frugal for maybe a year, 12K debt is easy peasy. There are people who have over 100K debt. So 10K ain't nothing to sweat.

Disclaimer: I welcome to anyone to tear apart everything I just said. I could be talking out of my ass and don't even know it.