Hi Lexus,
I know it is hard to deal with. I too am in this situation, absorbing bills accumulated together, now on my own. I keep thinking that I will use this as a hard lesson. Next time I am in a relationship and living with someone, I will get every money issue in BOTH names to ensure joint viability (not even sure thats a word!) The biggest mistake I made was allowing alot of loans, bills, utilities to be in my name only. He must have seen me coming a mile off with a big ''I am a mug'' tatooed on my forehead.
We'll do better next time like my signiture says, because we KNOW better. Keep plodding through, you will make it, even credit ratings are salvageable. Keep your sanity!
Love Lily xxxxxxxxx