Finance House

What is the name of your state? i live in georgia

i posted previously about being disabled by rare immune system
disease - have huge credit card debt in my name that there is
no way i can even make payments on - husband not liable for the
debt - per se - as these were my 'individual' accounts.

as you wonderful/helpful/knowledgeable 'posting peers' have
pointed out in your replys to my previous post - although these
cc debts are 'unsecured' - if i am joint owner of real property -
the cc can and will [for the amount i owe] probably pursue course
of action resulting in 'lien' against property and/or assets in which
i have an interest.

HERE'S MY QUESTION - we are still at the 'phone call' request
for payment stage w/both cc companies - the debts have not yet
been 'charged off' - is it too late for us to have my name legally removed
from property deed, making my husband sole owner, and would that keep the cc from being able to attach lien to our property if only in husband's name. we have no other 'assets' that could be attached.

when making replys please know that georgia is a 'community
property' state, i don't know how that would figure in to this
thing - if anyone does - please inform me.

ONE MORE QUESTION - after getting your responses to previous
query - husband and i are more TERRIFIED than ever - we can't
even pay our utility bills in full right now and owe last years
property taxes we can't pay BUT should we be trying to send
them 50 per month [we can't afford that] to show 'good faith'
or just keep hanging up as we've been doing lately because i'm literally 'too ill to talk' [telling the sad tale to each of the 100 who have previously called from cc inquiring as to why we are not paying]. WOULD PAYING 50/MO. DELAY THEM CHARGING OFF
THE DEBT OR DOES IT MATTER [late fees and over balance fees
are 100/mo. on each of the two accounts so sending 50/mo. is
like throwing it down a toilet and flushing it and we sure can't
afford to do that.

thanks in advance for any input/suggestions/legal knowhow -
anyone can share w/us.

ghc