<prompt> Human: Throwaway account for obvious reasons My husband and I have been married almost two years and during that time he has been the primary handler of finances. Hes a graduate student and I work full time, covering virtually all of our living expenses and most extras. He has more time to devote to the household, so he took on budgeting and bill paying, which I agreed to. We both have student loan debt and I brought an overextended credit card into the marriage, maxed out during law school about 7,000. I work for a nonprofit so my paycheck is low but I thought we were making payments, putting some money away, generally doing okay. I dont monitor our accounts as much as I could but its not seemed entirely necessary. I just received a series of phone calls on my work phone that have me really rattled. CashNet called to inform me that in December, two lines of credit were taken out in my name for 700 each. No payments have been made on either loan since February and the total amount due now is 1,009. The phone number and email associated with the loan are my husbands.I also got a call from one of our banks, Wells Fargo we recently opened a USAA account, where my paycheck goes letting me know that due to overdue debt on my credit card, they seized the entire balance of my account: 2,000 of my husbands student loans. In the state where we live, this is perfectly legal. They also informed me that the account is now 500 overdrawn from auto-draft payments. They are requiring immediate payment.I feel like a complete idiot for not only not handling my own credit card debt, but being so out of touch with my finances that this could even happen. My husband said he set up payments on the credit card and that they were being made, and I didnt give it another thought. Obviously I have some relationship decisions to make, but aside from that: what is the first thing I should do to address this debt? I know in both cases CashNet and the bank I can set up repayment plans: what do I need to know going into those discussions? No doubt this has ruined my previously reasonably good credit, what kind of plan do I need in place revive it?Any advice would be appreciated, I feel like just when I should be getting a little ahead Ive been sent back to the beginning.  <response>: Good god, talk to him, is communication that difficult? 