You close all joint accounts and open accounts only in your name...she does the same. That ends the future liability and you only have to deal with the debt that has accumulated thus far. As for the home equity, can't you withdraw your approval? Cut it off? Or you can look into a legal separation which would freeze future debts, but you probably need to check with an attorney for the details on that. Closing the credit accounts would be fastest. I did this the day after I told my ex I wanted a divorce. By 9am on MOnday morning, every joint account was closed, and I had established new ones in my own name. I took out exactly half from all savings accounts and divided up the accumulated savings bonds in equal shares.
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Ok..what about this?