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My credit was ruined from a prior relationship. It's mostly small dumb stuff but I've taken a hit. Tried to correct things but it hasn't helped. So I thought about filing by myself to lift these things off of me so I could help my husband. My current husband is military. We were doing things under my husbands name and then we got stationed overseas. No jobs, high conversion rates, and having a child have took us from having no debt, to in debt. Now there is a chance we could be going back stateside soon and we are behind on some of the rather large balances we owe. I know we have to find a place to live, get vehicles, etc.... but with us being so far behind I wonder if this would be the best option. My concern is how it would affect my husband or if it even would.