Do not borrow money to pay off borrowed money; that's all credit is. It is very poor thinking. The in-laws need to learn and apply the concept of 'delayed gratification'.

Take away their cards and destroy them. Then help them come up with a list of ideas to generate some cash flow so THEY can pay off their bills. This will most likely include them selling some belongings. They will have to learn to 'do without' until their debt is cleared up, and then buy luxuries ONLY when they can pay cash for them.

In the meantime, take your job opportunity to build a future for you and your wife. Help her to understand that you want to help her parents, but you're not going to do it for them. The root of the problem has to be eliminated, and it's not the credit debt; it's the in-laws thinking and beliefs about money. It's kinda like doctors who prescribe medications to treat symptoms of illness, but fail to prevent further occurences in the future, which is changing poor lifestyle habits (i.e. overeating, smoking, excessive drinking, not exercising, etc.). In this case it's beliefs about money and poor (or none) money management.

Credit is a great tool, if used properly. Most people don't see it as a tool. Most people see credit as a means to buy things they don't need with money they don't have to impress people they don't like. There is a valueable lesson to be learned with this experience, so take notice and recognize it.

If you pay off their bills for them they will not respect you. Decide to lead them out of it and to stay out of it. Do that and they will respect you, and you'd be pleased with the way your wife treats you having 'saved' her parent.

Give a man to fish and he eats for a day. Teach a man to fish and he eats for a lifetime.

Good point. You should get rid of the Z, not for her parents, but for you. You will be stressed about the payments as long as you have it with your current income. You will have to learn to do without also. Nice car, but your wallet is not ready for it.