In January 2008, our infant son passed away. At the same time my self-employed husband lost a major contract. He managed to get it back, but at a substantial cut. Work has been very slow. Our income went from 6,600 a month to 3,100. We have a 1,600 mortgage payment and a 547 car payment. After our son's death things were so tight that we went to credit cards to cover bills. Added to what we already had, now we have 34,000 in credit card debt. Just recently got behind because we are struggling with just the basic household expenses. The credit card debt is all in my name only. The car is in my husband's name only. The mortgage is joint. I don't care what happens to my credit, but I want to protect my husband's. Your answers are greatly appreciated.