added as a "joinder" in order to fulfill court appearance instead of husband? How and when is this done? What's the chance of convincing court that we (personally) are the "real party in interest" in order for us to be able to represent ourselves?
If the wife is not a party to the original debt and did not become a party prior to default joinder is not likley. However, a commercial agreement with a personal guarantee can be chock full of surprises. This is a matter where you need to have the documents which establish the debt reviewed by an attorney familiar with KY and Federal Law.