Hello Everyone, let me introduce myself as D. My husband, lost his job and accumulated some credit debt. One with Citibank of about $5000 and one with Bank Of America of about $10000-12000 (forgot exact amount but is between there.) We live in community property state CA. We were already married when he accumulated such debts, and I fought many times for him not to do it, he assured me he could pay it, here we are, year later, both in collections. One is under Calvary ( the smallest amount Original from citibank) and the other Mercantile adjustments Bureau (10k - 12k BankofAmerica) Up to this