please advice
My husband has been laid off recently. We have four cards in both our names. We do not have enough to pay the dues, except for some savings we will require to run the household. Till now we have been current with all our account. I do not want to file for bankruptcy; I know it will spoil all our chances of getting credit in future. Do I have any other options? If we wait till my husband gets another job, there will be a huge interest on whatever is due.