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Submitted by: Gerri

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Brenda, <a href=" http://www.debtcollectionanswers.com/http://www.debtcollectionanswers.com/Debt-Collection-Questions.html">Thanks for submitting your debt collection question on our Q&A page. </a> It sounds like your husband is really struggling and you are trying to do the best you can to help him get on track. I don't know what the answer will be to your husband's situation, but it is important that he gets some help. If he continues to ignore the problem and doesn't respond to his creditors, they may sue him and get court judgments against him, that could put your joint accounts or assets at risk. I am sure you are also aware that child support is the top priority here. It sounds like most of your husband's debt is not credit card debt. If that's correct, then it sounds like you need to try to encourage him to set up a <a href="http://www.DebtCollectionAnswers.com/bankruptcy-attorney.html">a free consultation with a bankruptcy attorney</a>. (You should be a part of that meeting, even if you aren't going to file with him. It will allow you to find out how his bill problems can affect you, and give you the opportunity to support him.) Explain to him that even if he doesn't want to file, the attorney can at least help him understand his options. Often people who are in financial trouble are also depressed. You may want to try to encourage him to get screened for depression as well. Treating that could make a world of difference in his ability to cope through this difficult time. Please let us know how this goes for both of you. Hang in there.

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