Hello, everyone. Some of you may remeber me. I was on this board a couple of years ago with credit problems that I thought at the time were severe but nothing has prepared me for this and you guys are the only ones i can talk to for advice. I always had good credit until I put my husband on my cc's as an authorize user. My husband experienced a family tradgey and went off the deep end. he got a DUI over a year and a half ago and we found ourselves paying for legal problems on credit cards. I am now in over 35,000 in debt in my name only. To make matters worse, we were about to buy a home and I checked my husbands credit report and it is is the 500's even after I helped him build his credit for the last two years bringing up to the high 600's as of April 2004. The reason is that he let several small items go to collection. He was using an ilegal substance for three months this spring and even though he went to rehab, we are four months back on rent. He worked it out with the landlord but we are still in finacial trouble. i could declare bankruptcy except for two problems. One is that he makes too much household income for chapter 7 and the other is that I do not have an income, car, or anything. He totally screwed up but wants to make amends but even though I do not want to leave him because he is such a good father to my daughter i do not see how i can declare bankruptcy. All the cards are in my name. Should let them charge off and try to settle. can they sue me when i have nothing? Thanks D
