Re: Spouse's Credit Card Debt
You're not in a community property state but the doctrine of necessaries can make one spouse responsible for another spouse's debts even in non-community property states. However, my most recent info indicates NC courts have been applying this doctrine mostly to medical debts though in some states it can be applied to debts for food & other necessary items used by both spouses. (You can ask an attorney in your area if you might be responsible under this doctrine to be on the safe side.)
Bankruptcy *might* be a consideration for your husband. He would need to talk to a bk attorney.
If he doesn't pay the debt, they can sue him in court & get a judgment against him - they can then seize all non-exempt assets (allowed in your state) that are in his name or jt. assets (any assets that also have his name on them). They won't put him in jail - there are no longer debtor prisons.
Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around.