There are 2 separate issues here. First, on the loan itself, your husband committed forgery and financial fraud. If you REALLY had no knowledge of the loan and did not sign the papers, then your husband has committed a crime. In order to relieve yourself of any liability, you'll have to report it to the police, which has obviously consequences. The other issue is what is called the "doctrine of necessities." If your husband took out this money and spent it on thing from which you benefitted (like medical, gas, food, etc.), then you could be held liable since you received a benefit. That's a hard thing to prove, but it is a popular tactic in civil cases.
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