MG, Flicka, NNP, BeingMe, thanks for your thoughts. Fix, I got the shock of H's debt a while ago. I've known about it and told him I know how much, he denies. The monthly bills laid on the table. That's why he's gone to all paperless so I can't track anything. The cc companies do send letters yet so I know the bad news.
The only thing that H has said is that it's not my problem, he will make his payments. I said this is community property state and his debt is my debt and it affects me and my credit. Right now my FICO score is over 200 points above his, one of his high balance accounts must have me listed on it as it shows on my record as a bad mark.
When H moved here he came with debt. We dug out with a plan in place. It was good for the first 10 years, until he started his own accounts and bill paying when MLC/ow came along.
I won't just pay his bills, but I would gladly assist in forming a plan on how HE could better manage what he does pay to be more effective. H would have to prove responsibility before I would willingly dump money into a cheeseless tunnel. There are a few things that he has changed and I think one of them is not using cc's for everything. Maybe he is forced to that for being over limit.
I feel I have to talk finances before H takes me down with him. He has jeopardized too much already. It surely won't be pleasant as I have reason to believe a lot of his debt has to do with 'another place'. I have asked about that and again he admits nothing.
It all boils down to I know, he knows I know, but he won't let me in and we haven't been able to discuss it. Isn't this role reversal? Isn't it usually the woman who runs up the debt and the man does her bail out?
There is a good note to post, I have a horse lined up for H to train as soon as the weather gives us a break (March?). Not only will that be $$$, it will boost his ego and esteem, and he has to be home to do it.
Live your life while you are still living. Riding the trail less traveled.