Am I responsible for my husband's credit card debt & it's his credit card only & we live in FL?

As a general rule, you are NOT responsible for debts which your husband has incurred exclusively in his name. However, you should request copies of your credit reports from all three agencies (Experian, TransUnion, and Equifax) to be sure that his creditors are not reporting those debts as your debts. As a bankruptcy lawyer who has been representing people in Florida for over 11 years, I have found that most credit card companies will report the debt on the spouses credit report simply because the spouse is an "authorized user" of the card. If this has happened to you, you may need to file disputes with the credit reporting agencies to get them to delete those debts from your credit report.