Jess--Don't keep putting this off--don't worry about what kind of step it is just do it to protect yourself financially. The rest will come as it may. In most states debts he makes when he is not living with you are seperate unless you helped or consented to them. But here it is we aren't lawyers and you need one. You can do it--you can take care of yourself and your children. You are getting stronger everyday. Smiles--Dee