Gmum - you need a Lawyer. He won't want you to get one for several reasons. None of them have to do with YOUR best interests. That's what a L looks out for.
It's too late now for tomorrow's mediation. Observe with all you have. Agree to nothing.
You have a lot of debt. Whose debt is it? You've indicated in the past that H is careless with money. If he's the one that ran up all the debt, yet now that you're getting D, it's "our" problem, and he wants you to compromise your needs in order to pay off that debt, that just not right.
I'd feel so much better for you if you had a representative looking out for you and D. Seriously.
