Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
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.
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