thank you guys,to read this,Its reminds me same problem but its different,I have debt from our dentist and my husbnd doesnt help me at all but I was in his Insurance and I owe my Capital one.Before I get discremenate my life is doing well no problem at all no debt no nothing but when I losy my job I lost everything and my husband doesnt want to help me out and now he want to divorse me .That is my problem now and dont know what to do.I am desable for now no job dont drive!HELPPPPPPPPPPPPP... WELL THAT MY LIFE:(