Wascally,
OMG, your story is alarming. It should be a wake up call to anyone whose finances and credit are entangled with an addict's. You are correct; you do not deserve this and neither do you, Loves.
When you kick them to the curb (KTTTC), I guess you still have to be prepared to handle the garbage they leave behind. The sooner you KTTTC, the less garbage they have time to accumulate. And Wascally's story indicates some addicts add to the trash pile after you KTTTC.
I don't know the law, but isn't it suppose to protect the innocent? Why does adding a person to your health insurance make you responsible for their additional debt?