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Help!! Should I call Providian or write letter


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I posted a messege in the credit repair forum about what Providion and Unifund are doing to me I am only and AU on my husbands account and they have listed this bad debt in the CB against me and also have taken me to court I went because I was not aware of my rights until I found this website I know for a fact that I am only and AU user on his account I never signed any contract he had the account for well over a year before he added me to sign should I call them and tell them they are violating me or should I send a letter and if I should send a letter does someone have a copy of the type of letter I should send TIA

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