I have an $1800 overdraft at a bank.  This bank account is a joint account with my husband.  He does not want to claim bankruptcy and has since moved all his direct deposits and bill payments to another bank in his name only.  I have to claim bankruptcy as I owe approx. $58,000. which includes a $10,000 line of credit with the bank where the overdraft is.  Due to an enormous amount of family problems, this $1800. is impossible to replace at this time.  Creditors are calling and collection agencies are calling and I must make a decision soon. Is there anyone else out there that has a problem like this?  Also, when I went to another bank to open a new account, they said they have to do a credit check.  That being said, I didn"t open an account because at this time, my credit is terrible and I felt that the bank would refuse to open an account for me.  ?