On top of all this H and I have to discuss the house because there is a chance I may stay if it looks like we're going to lose money on it. Then I think he should walk away and call it even. Yeah right.
Divorce finances should be simple math, without emotions, okay? If the house is worth less than what you owe on it, it is a LIABILITY, not an asset. Everything you own or owe should go into two columns - liabilities and assets.
For instance - if splitting up things 50:50, and you take the house which is worth $20,000 less than you owe on it - he should take, say, the $20,000 credit card debt to make it even. Both of you taking $20,000 of debt apiece. No, he won't like it, but that's the math. If he then bought himself a house worth the same as your house, you'd both be even - each of you with a fully mortgaged house AND $20,000 of extra debt. See?
