This topic has probably already been answered, but here is what I am dealing with and I am not sure what to do at the moment.
I am in the process of a divorce, my ex-husband has refused to pay any cc's with my name on them, about a year ago, I moved out of the family has (he still resides there), I placed the cc's on a debt management program, but took it off in June when I lost my job and was not able to make the payments. I have not paid on any of them since June of 05.