Im not pushing you to do something that doesnt feel right Adam but I want to go a little further to explain to you what a debt counseling service does and if it still doesnt feel right then I hope you'll find something that does.

Google 'debt counseling service'. You'll get a whole list of them. Some can even be contacted online so she wont have to leave the house and since she loves the computer maybe it will be easier for her. I think I saw one that was US Gov related? But most are private enterprises. They will meet with your wife (or online) and discuss her outstanding debts. They will help her make a budget. They will counsel her on how to keep the budget. They will contact her creditors in her behalf and arrange lowered payments, etc. She will make one payment to the service who will then disperse it to her various creditors. They do charge a fee but it is a small amount that is added to her monthly payment. Since the debt is still outstanding, working with a credit counseling service may still show as a negative on her credit report but it is substantially better than having a no pay show.

The good thing on this is that she is handling it on her own (if she got the min wage job). You are just helping by supporting her in taking care of her debt. You dont need to do more than encourage her to follow thru. She does the work and makes the payments.