 And my husband wants to consolidate the debt. What kind of debt do you have, honey? So it's $85,000 in credit card debt. We paid off our HELOC and all this other stuff we had when we sold our house. So we were pretty much left with nothing after we sold our house. Okay, and I guess all the credit card debt is in both of your names. Yeah, the one card's in his and two are in mine.