I have $13,000 in credit card debt at 9.99% apr. I was thinking about transferring balance or partial balance to a different card with 18 month no interest, after that it's 13.99% variable apr. There's a %3 transfer fee. Oils this be a smart move to transfer some to a no interest credit card?
You should really take this question to some debt experts - I am truly sorry to hear of your situation! The site below seems to have great advice- they certainly have enough information, maybe you will find some good advice there as well? Good luck!
Depending on your overall situation ($ revenues, work stability etc) I would rather suggest you try and get a bank loan: the fees etc are included and you pay a fixed amount for the duration. In your situation I would also get rid of the credit cards, not try to multiply the problem.