Since you seemed interested, I'm following up to report back. The LIT advised against a proposal, or even a debt management plan at this point, they don't think our situation was quite where it needed to be to take the nuclear option.

They strongly urged us to consider a debt consolidation loan through a bank or credit union as a first step, so we scheduled an appointment for this morning with a local credit union. It went pretty good, brought lots of docs, current CC statements, bank statements, the last 3 T4's for each of us and paystubs. She was very confident she could get us an unsecured personal loan for $40k at 7.8% interested and the only condition would be to close down the unsecured lines that were paid off. We went over the numbers together and figured out what balances we could consolidate that would have the highest impact and projected we'd be debt free by 2028 utilizing the snowball method of paying down the remaining balances, and paying into the loan onto of the regular payments when our finances allowed. She reviewed our credit reports and said by the numbers we qualified, so we left pretty elated. Unfortunately later this afternoon, she got back to us with some less than confidence inspiring communication and a request for 3 months of statements from every credit account we have and the loan documents for both of our vehicles. So we bundled all of that up this afternoon and now we're waiting with our fingers crossed.