I have been married about 3 years. My husband had several credit cards prior to our marriage, with various balances. He purchased our home before we got married (in his name only) but refinanced after marriage. I am still not on the loan, but on title. We have no joint debt/credit accounts at all, but do have joint checking/savings. All credit cards are in his name, I am not an authorized user & have no access to these accounts. There have been charges to his credit cards since our marriage that would be categorized as "benefitting the marital community", i.e., tax bill, vacation, etc. The balance on credit cards is $45,000. Both car loans are in his name. We have no equity in our home; in fact, are upside down $60,000. If we separate/divorce what is my financial liability?
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