Remember to enjoy your life. An experience Cincinnati bankruptcy attorney can explain the options available under the bankruptcy code to relieve debt. Also the debt management company your choose should be a be advise you on how to deal with angry creditors, whether bankruptcy is an option or how to consolidate debt or simply reorganize your bill payment schedule. If you find that you are deep in a financial crisis and are unsure just how to relieve yourself of this problem, then perhaps the best option will be to apply for debt consolidation loans. The fact is, much as many people hate to face that fact. All these programs do is move your debt to make it easier to make unsecured debt consolidation loans will payments. As for your husbands income his income is his income and will likely not impact your bankruptcy at all. Easy business is no longer possible as banks are not approving to lend with out good credit history and seeing the capability of paying the down payments in case the mortgage rates go up. The other issuse is the complete lack of information about my purchases that ought to be available to me AT ALL TIMES and thus accessible at my leisure.