Couple of things, prompted by valentine and others. First my sitch was also different from yours b/c H stopped putting $$ in the joint account after a few months. He told me to keep paying things out of what was left and I did but it didn't last all that long. It's different when your H is paying. But you do need to be concerned about the cc debt.
Also, in my state you can file for legal S, that is not what I did, I went for the alternative of us signing a S agreement that could then be converted to a decree of D in a year by either party (sort of a "no fault" D). I don't think I would've had the stomach for filing for legal S so was glad to have the agreement option. See what your state's options are and then think about what your needs are and what you can live w/.
