I truly empathize with your situation and pray to Allah to help you overcome such trials.

 

If your husband has the means to help you out he should do so; however, if he is struggling with his responsibilities as a provider for the family, he is excused.

 

If the agencies you owe forgive you then you need not worry. Otherwise, you should do your best to pay it as best as you can.

 

If the amount you owe is not a huge amount perhaps the Muslim community in your city should be able to help you out: You are eligible to receive zakah for paying out debts.

 

You may do well to get in touch with a reputable imam in the community; he should be able to figure out some ways of helping you.

 

I cannot add more in terms of other details. Since your question has financial implications of technical nature, I would advise you to contact Dr. Monzer Kahf who is an expert on Islamic finance. He appears on this site regularly; you can address the question directly to him. Alternatively, you may also get in touch with him through his own website: www.monzer.kahf.com.

 

Once again, I pray to Allah to help you find a resolution that is pleasing to Him and grant you peace of mind.