If you have been sued you need to answer the complaint. Otherwise you will get a default judgment against you and your husband. You may want to call the credit card companies to try to work out a compromise. If you can't pay these companies you can always consider bankruptcy. While this would harm your credit for several years, it would stop the phone calls and the court would either eliminate the debt or help you work out a payment structure with each company. Your first step should be to hire a lawyer to draft a very simple answer to the complaint (pay him/her hourly) so that you don't get a default judgment against you.