IM LOOKING FOR MY OPTIONS TO WHERE A CREDITOR CHARGED MY BANK INCORRECTLY & NOW MY ACCOUNT SHOWS I DEFAULTED BECAUSE OF THEM

You need to contact a local consumer lawyer. You did not mention whether the creditor was a collection company or if it was the debt originator....

I agree with the previous answer that your husband's response probably did not legally deny the allegations. However, since he was acting pro se, a...