Jess - I don't know anything about Ohio, but I know that in Texas debts incurred by a husband or wife become the obligation of both spouses, and could follow you around for years or even require the blameless spouse to seek bankruptcy protection. You're smart to get some advice on this. I'd also second what AHCB said - Call the local bar authority to find out if free or reduced rate services are available if you can't afford a lawyer.