Well, from H's perspective it's problematic because even before D he could still be on the hook for it. For example, if I take out this individual loan, can't make the payments/default on it, they will come after him for payments because he's my spouse, even though his name isn't on the loan. I'm not sure why he's concerned about that because I've never not made a payment on something and have excellent credit. At D we could at least put it in writing that it's solely mine but he's still concerned about that because legally it should be split (ifwe actually had a trial/adverserial D) so we'd have to mutually agree it's solely mine (which we do right now via email... but he says that's not really "official.") Does that make sense or clarify things? In theory it's not a problem providing we both trust each other in agreeing it will be solely my debt and that I'll pay it back appropriately.
Me:30 H:29, no kids T:12, M:4 (when D was final) 12/13: "Don't think I want to be M anymore" 6/14: Separated (I move) 1/15: H filed for D 5/15: D final