HELPPPPPPPPP

Welcome, to the forums :D First, relax and calm down. What type of debt are you in? A debt counselor will be contacting you soon since you registered.

Welcome to the Community :D We all have been where you are! Here is a link on debt consolidation and its benefits at http://www.debtconsolidationcare.com/benefits.html this is one option if you have alot of payments for each month. You can combine all your payments into one,unsecured debt, and have much lower interest. The counselor will discuss this and any other option you may have, and you are free to take it or not. Keep us posted, and ask questions!..Karen

kimrus -

Welcome! You will need to obtain your credit reports from all three credit bureaus, which you can do by going to http://www.annualcreditreport.com
The reports are free once per year.

Also, gather all your bills together, and have those and your credit report available when the debt counselor calls you to discuss your situation.

I'm not a marriage counselor, nor do I pretend to be one, but a word of advice from someone who's been there. Be up front with your husband about your debt. It will only hurt you in the long run if you don't.