daring, I have to agree w/your lawyer, i.e., you are taking on entirely too much of the debt. I realize that you and your h bought the foreclosed home as a couple, but because it's in h's name, he should be responsible for it. You do not need to have your good name and financial reputation put in jeopardy, i.e., w/additional debt and not knowing what will come next.
So, the house is foreclosed, have they set a date yet to auction it off?
Daring, I commend you for trying to take on all of this debt, including the IRS repayment, but your salary will only go so far. Your h, even in MLC, needs to be responsible for that house. It's a good lesson for him to learn and face the consequences of his actions. BTW, of course, he wants things to stay the same...he wants no responsibility right now...but you've got to think about yourself and your children. Listen to your lawyer w/your business hat on and not w/your heart.
Merry Christmas! I hope that you and your family have a nice holiday.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.