I’m sorry to hear of your money troubles. You and your husband need to quickly come up with a spending plan. Each dollar your family earn needs to have a purpose.
Your first priority is food, then utilities, house payment and then transportation. You may need a bigger house but you don’t need a better credit score to get it and you can’t afford it right now to it will have to wait! Don’t waste money on a lawyer to improve your credit score.
The lawyer can not do this any faster than you can anyway so therefore you are wasting money on something that is not essential. Cut up your credit cards and live on the cash that you and your husband bring home using your spending plan. Get yourself a copy of Dave Ramsey’s Total Money Makeover which will help you become debt free.