Personally, I'd go with the last option and do what it takes to pay the thing off. Tell your husband to stop being stubborn - they're going to get their money regardless, so you might as well be cooperative and see about getting your account thawed.
You say it's a combination of credit cards and medical debt. Which creditor has frozen your checking account? The same one who filed the garnishment?
Pay off whichever is going to make your life easiest to get off your back - if that sum only covers getting your checking account unfrozen, go with that.
With whatever is left, make payment arrangements with the other creditors and STICK TO THEM.

