You are NOT stupid...I'll say it again YOU are NOT stupid.
say it with me now...
I am NOT stupid.
I'm good enough, I'm smart enough, and gosh darn it people like me!
and not that's not me being a smart ass...though it did come from a sat night live skit, I did say it to myself often during the shittiest part of my life and still remind myself of it when need be.
So you and h agreed in councelling that you would not pay his bills for him any longer...but you've continued to do so?
so stop. Have your name removed from them. Since it was already agreed upon by him all you need to do is let him know it's his responbility as agreed upon and that's that.
Right now I'd focus on removing these financial burdons from yourself and keeping yourself calm.
Once these things are settled (and it may take a while) THEN you can start thinking about divorce (cause that's a whole other process).
I'm not saying whether you should or shouldn't divorce. I'm simply saying deal with issues one at a time. first things first...straighten out the financial situation. Second take time to let the dust settle and the hot emotions cool down. Then move on to step 2.