I agree Honesty is going to be the first step I also would suggest going to a consumer credit counseling agency they can get the credit accounts under control by working with the accounts and getting the companies to work with you and your husband…Its a lot easier to fall into a pit of debt than it is to get out of it. Angencies like those can help you to not do it again and help you to keep in your budget. Finances can be very stressful on a marriage ..especially debt. Good Luck!!!