Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
Based on the new facts, I'd say you and your husband may want to file a joint bankruptcy and just unload all the debt so you can start over. I know professional practitioners who file Chapter 7 to get rid of huge debt loads. The fact that they have income does not prevent this because their debt is so much greater than their income.
Find a local bankruptcy attorney and give him/her all your financials and see how it shakes out.
Terms and Conditions: By your continuing in this conversation with me, or by your clicking “Accept”, you are expressly agreeing to all of the following: (1) our communication is for entertainment purposes only; (2) you are not consulting me in my professional capacity as an attorney; (3) you do not seek to establish an attorney-client relationship with me, nor do I with you; (4) you will not rely on anything I say and you will obtain appropriate legal counsel via a traditional/office consultation with an attorney licensed to practice in the jurisdiction where your legal issue arises (and you may not use our communication to avoid taxpayer penalties imposed by the U.S. Dept. of Treasury); (5) by communicating with me in this public forum you are irrevocably waiving any right to privacy, confidentiality and attorney-client privilege concerning the matters discussed. You further separately declare that any payment made by you is not consideration for this contract, nor offered for any services rendered by me on your behalf, but rather is made in genuine admiration and respect for my desire to help others. If you do not agree with these terms and conditions, then you must advise me immediately.