I'm sorry to hear that if all the credit cards are overdue, then you have been suspected of violating all the credit card contracts, and all the credit card issuing banks will scramble to ask you for the arrears, and you will also face huge liquidated damages and overdue interest, so you need to carefully sort out the countermeasures.

1

In fact, credit card default is easy to cause a chain reaction, so we must first find ways to stop the deterioration of the situation.

Credit card is a contractual relationship between the cardholder and the bank, and the overdue violation is the agreement of the collection contract, so the bank can bear liquidated damages and penalty interest according to the contract requirements.

The accumulated money is a lot, which will only make you pay off more and more; Therefore, we need to find a way to stop the deterioration of the situation. First, we must actively communicate with the bank, truthfully show the situation, and strive to stop the debt and repay the principal. It is best to reach an installment repayment plan. Then do everything possible to raise money, whether it's selling a house or a car or borrowing money from relatives and friends. Be sure to get the money that will convince the bank that you have the repayment ability as soon as possible, so as to avoid your debt getting bigger and bigger, and then you can plan a normal repayment plan and know your own goals.

2

You are a stay-at-home mom, so you should try to do something part-time.

As you said, your husband is unable to bear all the debts by himself, so although you are a stay-at-home mom, you still need to try to do something that you can and do some part-time. The simplest thing is to find some formal things to do online, such as writing a copy and doing it from the media. In short, there must be redundant ways of income.

since the situation is already so bad, what we can actually do is to try our best to increase revenue and reduce expenditure. Moreover, at this time, we should not blame our husband for his incompetence, and both husband and wife need to talk calmly and discuss solutions. Only when the husband and wife are United, the solution is always more difficult. Everything is prosperous at home, and these problems should not lead to family breakdown, which is even less conducive to solving problems.

Conclusion

Of course, it is very troublesome to communicate with the bank. You must come up with a plan that can convince the bank, and this plan must be practical. You must not treat it negatively, otherwise, when you encounter lawsuits and other disputes, you may not have a chance to turn over.