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i am so sorry you are in such a difficult place. it is horrible and scary.
the others have given you good advice, another thing you can do it get only where there are many frugality websites that are full of dynamic ways to help save money, pay off debt and not feel deprived about things. many of these will teach you how they got out of debt crisis.
i know you can only take matters one day at a time and calling the creditors is a real good start. another thing is you might learn how to sell things on ebay and off-load some of those hypomanic spending items online and make up some cash that way.
somehow please try to find some support that will help you as you work with your husband to turn things around. don't give up hope!
leslie and her pixies
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  HEALING HAPPENS
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