I read a piece last month that was a jewel.
The guy was talking to a gal with your luck.
His advice was this. Before they can get this on your Credit report do the following.
1. If you own a car and owe money on it get one of those new credit cards and use it to pay off the car then sell it to an inlaw you can trust and pay them the money for the insurance. If paid for skip part about the credit card.
2. Go down to the utility department and apply for aid for the next 10 months.
3. Get another credit card and use it to pay your insurance policies on the house, kids, and life up for 2 years.
4. Put anything you can think they may try to take and put them into your wives name.
WHy!
Credit cards are non-secured credit and the items purchased can't be taken.