First off, BOTh you and your husband need to bring income into the house. I don't care if your greeting people at Wal-Mart...do something to bring money in.
You might need to post some details about your husbands business; might be time for a reality check
Finally, first thing in the morning when you read this make a list of all your debtors amd I'd make contact with all of them. Explain your situation. 9 times out of 10 they are willing to work with you. If you go hiding from them that's when they start stalking you down and not willing to work with you.
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