Answered on Feb 21st, 2011 at 1:45 PM
Sounds like you need to sit and talk to an attorney! The court will deny a discharge in a later chapter 7 case if the debtor received a ch 7 discharge within 8 years before the second petition is filed. So if your 2006 discharge was from a chapter 7you are ineligible. There are other numerous exceptions, such as paying off 'allowed unsecured creditors' or completing a 70% plan.
You may be eligible for a chapter 13 discharge given that more than 4 years have passed.
As long as your debts are not in your husband's name, his credit will not be affected. Creditors cannot hassle him to pay for debts that are not community property. When you file for credit jointly, both credit histories are considered, so your low score will bring the average down.