When you bought the house (which I assume you did) 12 years ago, was it inspected by an ASHI-approved home inspector? If not, now's a good time because he/she may find more things wrong when it comes to drainage. ASHI Inspectors go through a certification process, and I'm sure he would have caught this 12 years ago. For $250, it's that or finding out later that you have had another problem for 12 years and it will cost you $4,000 to fix. You can spend now or pay later. The gutters MAY be the cause of your problem but they MAY NOT be the cause. Well, let me say they may not have been the ONLY cause.