Hi, I see you haven't been on here for a while, OP but if you are still reading and still needing help,have you tried speaking to someone at StepChange? They are one of the free debt help agencies and they really can help. I speak from personal experience.
I hope that's helpful and that you and your husband are okay.
Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.
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it makes it easier to see the situation
There's information in this link - https://www.stepchange.org/debt-info/debt-long-term-sickness.aspx
and also here -
https://www.stepchange.org/debt-info/dealing-with-the-debts-of-vulnerable-people.aspx
Contact information - and it's also a free phone call - https://www.stepchange.org/contact-us.aspx
I hope that's helpful and that you and your husband are okay.