Michelle,

Frank is so right! Go yo a credit counseling service. They can really help you.
They can stop
those calls, lower or eliminate part of your debt, and save you.

By the way, even though your husband is not on your application, the fine print
is that it is
still a "shared" debt between and all "assets" can be used to settle that debt,
including your
and your husband's wages, your car, your home, or any asset that can be used to
settle it.

Take care, you will get this done and, no matter what, your husband will
eventually know.
You need to sit down and talk to him with love in your heart, a little bit of
shame and
remorse, and no fear. I am sure that he would love to have you alive and in debt
than to be
without you.

Anyse

Been there, done that/