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You need to see a lawyer. Some may be available through legal aide. I do not know if you are responsible a loan and credit card debt if you did not sign for it. Your husband may have forged your signature. You have several options other than paying the full amounts due.
1, Ask the credit card companies to reduce or eliminate the credit card interest. Tell them the circumstances. Even the IRS makes accommodations.
2. See an attorney about declaring bankruptcy.
3. See if your husband will give you money top pay his debts particularly if forgery was involved.
4. Go to credit counseling agency. Many charge what you can affairs. They can consolidate your debts and reduce them as well.
Good luck.
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