C.S.
One thing you can do to start is get a free session with an attorney to see how much responsibility you have for your husband's debt. divorcing may not remove you from any current debt, though it will remove your from future debt. Also see if the company you work for has an EAP (Employee Assistance Program) program. It is a free service that gives you at least 3 sessions with a counselor, and I'd suggest asking for one who specializes more in the legal and financial area, not marital. A divorce mediator can help at a much cheaper cost to get through the planning and paperwork of divorce. I live in the Crystal Lake area and have two contacts here if you live near by....just email me. If you do have any desire to stay with your husband, or even if not, I strongly suggest you encourage him to get counseling for spending addiction and/or go to Debtors Annonymous which is a free Twelve Step program. Go online to get the location of the closest one. You might want to go to Alanon or see if there is a Debtanon, which are for spouses or family of addicts, also free. There's alot of opportunity for growth and waking up to new insights about yourself in all of this. My heart is with you.