I have MBA Finance and Accounting, Bsc Accounting, but I have 13 credit and other accounts which I stopped paying for 3 reasons: !) I overspent but I was going to pay, 2) but then had a kidney surgery and could not pay, and 3) 6 out of 13 accounts were opened by my husband on my name, and I could not file Identity theft report as I was told it is unlikely he will be charged (of course I am going to di