Since Mi. is not a community property state, the debt is in your name only & from before you got married, your husband should not be responsible for it. However; if they get a judgment against you, they will try going after jt. assets such as bank accts. (any assets that have your name on them) besides individual assets in your name. If they seize any jt. accounts, your husband will have to go to court & prove what portion of the money is his & not subject to seizure. ( I won't go into the doctrine of necessaries because I don't believe it applies in this case. It makes one spouse responsible for the other's debts but mainly medical debts anyway.)

Here is a list of assets exempt from seizure in Mi. after a judgment.
Michigan Post-Judgment Asset Exemptions--

Homestead: Real estate to $3,500. Property cannot exceed 1 lot or 40 acres rural. Property held as tenancy by entirety exempt against debt of only one spouse. Spouse or child of deceased owner may claim exemption.

Pensions and Retirement Benefits: Funds exempt for ERISA-qualified plans, firefighters, police officers, legislators, public school employees and state employees. IRA exemptions for conventional, Roth, education, SEP and SIMPLE plans. IRAs limited to contributions that were made more than 120 days before filing, and limited to tax-deductible contributions for non-Roth IRAs.

Insurance: Life, endowment or annuity proceeds if cannot be used to pay beneficiary's creditors. Life or endowment proceeds if beneficiary is insured's spouse or child. Life insurance proceeds if beneficiary is married. Fraternal society benefits. Disability, mutual life or health benefits.

Personal Property: Building and loan association shares up to $1,000 par value, in lieu of homestead. Burial place, church pew, clothing. Family pictures, appliances, books and household goods, up to $1,000 total. Food and fuel for 6 months.

Tools of Trade: Tools, implements, stock, motor vehicle or other items that enable the debtor to carry on his business up to $1,000.

Miscellaneous: Business partnership property.

Wages: Head of household debtors may exempt 60% of weekly wages (but not less than $15.00 per week) plus $2.00 per dependent other than spouse. Other debtors may exempt 40% of weekly wages (not less than $10.00 per week).

Public Benefits: Veteran's benefits. Workers' compensation. Unemployment compensation. AFDC. Crime victim's compensation. Social welfare benefits.

Wild Card: None.

There is usually instructions on the summons as to how to reply to it/answer it. (for example an answer might be I'm not sure the debt is mine or the SOL has elapsed - in your case since you made a $50.00 payment you restarted the SOL) Just be sure to answer the summons in the time limit allowed or they will get a default judgment against you.

You can try calling the lawyers at the firm suing you & see about setting up a payment plan but they do not have to.

This is all pretty confusing. If you believe you need to, contact an attorney for assistance.