usually the court goes back to the day separation happened when creating the "equitable" settlement. creditors, on the other hand, will hold you both liable for joint accounts until the separation is final.
typically, the court will make each party responsible for their own debts post day of separation.
Creditors, however, will go after whoever they can and aren't bound by the court order. the court order only affects the parties.
A weekly guide with tips and legal advice for each stage of the process.