Is your joint bank account one of your creditors? If so then you need to change banks straight away. The Co-op come highly recommended.
If you have any joint debts then your husbands credit record will probably be affected and he will be chased for the whole of the debt.
I recommend that you take professional advice. Visit www.iva.com for a list of companies and reviews. Give one or two a ring and you will receive free and impartial advice.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk