For starters, YOU do what YOU need to do, to protect yourself financially.
This is a separation of the marriage, between the emotional side, and the legal side of things.
Find out the carrier of the Credit cards, and call the company and explain that you did not sign for them, and that your estranged spouse did. Tell them to cut the card off at the point that it is now. And no further charges will be added to the card.
Change the address on the billing part, to a secure location, so that you know if anything further has been charged. Also request a copy of the signature, so that you have that if this escalates any further.
Don't look at what has been charged, just file this away for your own protection.
Open an account for yourself, and contact the loan department for any outstanding amounts. Also contact your utility accounts for any outstanding balances. Let them know what you are going through and that you would like to re-secure your accounts under a new user name and password.
Keep in mind, that NONE of this is to alienate her, it is being done to protect yourself....
Stop thinking about the whys of this for now. None of it matters if you are financially ruined. Don't think that this one thing will "end" the marriage. Cause it is already over (like we discussed).
As far as dealing with her ???
I think you need to think about this for a while before you feel the need to address this...
Think it through....
She doesn't need to have an answer from you today, or tomorrow, or even next week...
