Here is my dilemmaÃ¢â‚¬Â¦ I got into MAJOR credit card debt!!! $30,000 all in my name only, not my husband. We can no longer pay the credit cards (well, havenÃ¢â‚¬â„¢t in months) and pay our regular bills. I was basically paying all our bills with our income.. and since we had none left over.. living off of credit cards in my name. I am in deep debt.. with John P Frye Law Office calling me, Atlantic Credit calling me and Allied calling me wanting money.. I have looked into debt settlement, but with them I can still get sued and there payments are still high. I was looking into Chapter 13 bankruptcy. I have an appointment next week and canÃ¢â‚¬â„¢t wait. My problem is, I canÃ¢â‚¬â„¢t let this hurt my husbandÃ¢â‚¬â„¢s credit. He has the good credit and we need it to stay good. I really donÃ¢â‚¬â„¢t care about mine, its already crap. The house is in both our names.. if I will file, and we are joint on the house.. will this in any way affect him??? One bankrucpy firm told me yes, one told me no.. what do I do??? I know I have to tell him, but it will be easier if it wont affect him.. Please help.. any advice??????
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