Need Help!!!

What is the name of your state? GA.
My husband owes $48,000 in credit card debt in his name only. Until now, we were able to pay the minimums monthly. The house is in my name only and his name was never on it at any time due to his high credit balances. I am self employed and work out of my home. I am pregnant and my health insurance won't cover the pregancy or anything related to it. I am going to be stuck paying high hospital bills as well as doctor bills due to complications and we just won't be able to pay for his credit cards anymore.

My question is: If my husband stops paying his credit card bills (none have my name on them at all) what can they do to him if he owns nothing legally? I cannot afford at all to pay them and don't think I should have to! Do I? As far as I understand, GA is not a community property state and I think I am safe.

I would really appreciate a reply because I really need to stop worrying about debt collectors and need to relax to make sure my pregnancy goes OK!

My husband went to a bankruptcy lawyer and he said that it would be hard to prove his income (because he mostly works for cash and is self employed too but not on the books). He is officially retired legally.

He had a joint bank account with his mother (she lived with us). She started fighting with us day and night (crazy woman) and then one day left the country and never came back. To our dismay, she drained the joint bank account of the entire amount over $50,000 which we always had to fall back on in case we needed it). A lawyer told us it would be hard to recover anything due to the fact that it was a JOINT bank account. We were screwed and are now paying for it.

HELP! Any replies would be GREATLY appreciated!

Thanks!

[Bigfoot]

Two recommendations: research and find a good, fair, credit counselor. Not one that will charge you excessive fees, but one that will tell you where you stand. Some of the accounts may be able to be charged off.

2. Your husband needs a second job. Third if necessary. Plenty of people manage their financial burdens by practicing responsibility-which is not done by sitting around waiting for something to happen.

And don't let him tell you that, his feet can't stand too long, he can't handle the stress of more work, etc. Your pregnancy will go a whole lot easier if you know that you will only have one baby to raise instead of two.

One place he can start is in substituting with a newspaper carrier.
If he refuses, you'll have some deep soul searching to do.

Best of luck to you!