Here is my generic non-professional advice:
1. Call the credit card company and ask them to reduce the rate. I've heard about this being successful. They just might work with you! You should google this and find some "scripts" to use.
2. Cut expenses! Go on a serious, major budget. Tackle the debts with living below your means. It's truly the only real way to get ahead.
3. Like Christa said, sell the car. Seriously, I know that sounds drastic, but you are talking about planning for your FUTURE. You need a secure future, not a fancy un-paid-for car.
4. I don't know if I would bail him out, personally, until you are married. This isn't a judgement against you (you know I love you Glenda!) but what message does it send if you just bail him out? Ultimately, he has to learn to live within his means. And it will mean more to him if he conquers this himself.
5. Why not go to the library and buy some basic personal finance books to help guide you? How can you get James invested in solving this problem for himself?
Anyway, I know this is a major stress-causer and I don't want to sound harsh. I just think you have to sit down and talk about your values and what you want out of your future together and how your debt is preventing that.
Love you girl!