I strongly recommend getting rid of any joint debt (Credit cards) before the divorce is final. If, for example, you each were ordered to pay half, and she didn't pay hers, the CC company will come after you, and their rights to collect the money trump your decree. At a minimum, if she doesn't pay, for sure it will go on your credit report also, and it will have to be paid before it comes off....and if she refuses...you will have to pay. You can go to court to try to collect it, but the costs associated with it, along with still no guarantee it gets paid, has become a huge headache for many.