Don't know about the credit card debt - does he have proof it came from your credit cards & for purchases before the marriage? If not then he probably doesn't have a leg to stand on - but you will be responsible for 50%. You need to get an attorney and make him get his own. I used to live in Kent county and I don't recall how far montcalm is from there. Most attorneys charge 850 - 1600 in retainer, might be less with no children involved. You need to get an attorney even if you don't think you can afford it, it will cost you more in the long run if you don't. Also they can suggest mediation - but that costs $$ too, about $200 per hour.