What should we do? I just worked up our finances.?

Maybe you can talk to the CC people and see if you can make some kind of payment plan that will fit your budget, they are pretty good to work with. Or take the money out of 401 or Roth, pay the taxes on it and get the charges paid off. Also your wife may be able to get a job in the evenings for a few hours or baby sit during the day, to help get things paid off. Good Luck