A couple of things:
1. Make sure your husband understands in no uncertain terms that you two will NEVER AGAIN start a business with credit cards. It's probably one of the riskiest financial things a regular person can do to get into trouble.
2. If you haven't paid the hospital bills, they will very likely put you on a payment plan. As long as you pay the monthly agreed upon amount, they won't report you as late or overdue. Offer to pay $10 on each bill each month now. Go clean up the credit cards, then once those are gone you can pay more to the hospital bills to finish them off.
3. As for the zero percent offers, depending on how much you owe they may not be of much help. First, there is usually a balance transfer fee of 2-3%. Second, they'll expect you to pay it off in X months, and if you don't the balance then accrues interest at a very high rate. If you are disciplined and have things under control, yes, it can save you a decent amount of interest - however, you currently do not sound disciplined and under control.
4. Sell stuff. Give plasma. Deliver pizzas. Have a yard sale. Cut all expenses to the bone, then cut again. You should be paying for food, water/sewer/trash, electricity, heat, and mortgage/rent first. If you can cover those things, you can work through the rest and it'll be OK eventually.
If you truly are stuck, it is better to call your debtors and let them know. They may be able to work with you in some fashion, although anything they offer may adversely affect your credit.
Good luck.