So, are H's credit cards things he took out after you guys filed for divorce, or has he been running up cc debt for years?
I'm assuming there's no significant assets (retirement plans etc) to be divided in the divorce?
I'm going to ask you a hard question here - where you you, when this financial mess was being created? Are there things you have learned from this? Because it's going to be SUPER important, going forward, that you learn how to make money and be frugal with your money so that you can get into good financial shape.
I'm not sure that I understand why, if H is keeping the house, you are responsible for half the second mortgage? Was that money spent on credit cards or consumable items? Why not let the house go into foreclosure then? What did you gain out of agreeing to take half that debt?
I'm not trying to freak you out, or blame you for a mess that is probably mostly his making, but pointing out that the choices you make financially going forward are going to be critical. Have you read Dave Ramsey? Also read Your Money or Your Life, and take a look at the Mr. Money Mustache blog. The two of you didn't get into this big financial hole overnight, and it will be essential for you to own your part and work on that issue.
