My wife dug us a hole at one point. $20k? (Edit: Might have been more, this was like 8 years ago and I have a better recollection of the minimum monthly payments I added up) in a variety of credit cards and other finance offers. She wanted stuff and she wanted it NOW Live and learn. Not sure how it looked on our credit score at the time, but we consolidated the debt via a credit union loan. It wasn't an interest free loan tho, so I don't think it impacted our credit score negatively.

Adding up the minimum payments for all those various bills was roughly $2.2k/month in minimum payments. After the consolidation, that dropped to $500/month.

We paid $2k a month on the debt, to get rid of it. Took a year.