I would speak to a L as well as a financial planner/manager/expert.
I would ask her not to open any more joint accounts and I would ask the lawyer what to do about that.
If it's joint and you're still married, I would at least make the minimum payments myself since you may need good credit at some point along the way. From what I understand, it could take a long time for a court to make everything right with credit bureaus...if that's even possible these days.
