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[quote=Anonymous]When we got married, my husband admitted to having debt with significant monthly obligations. I had none.

We came up with a plan and for 12! years worked hard to be debt free. We sat down each month to go over what we owe (I used my credit card at some point), what balances and interests get priority, etc. We had an explicit discussion about not opening new credit cards without making such decision together. From time to time when we talked about finances, I asked him to confirm that the information I have re: his finances is accurate and he confirmed.

He monitored his own credit. He provided me with printed copies of his credit reports. I found out today that he edited them in Adobe.

We were planning to buy a house and applied online today. Several high balances came up. After about an hour of me checking everything and him pretending that he does not know what they are, he admitted that he incurred those balances. He said he just paid for our family needs with those cards when things were tight. I believe that in part. I also know that he is a shopaholic and a bit of a hoarder.

Aside from trust issues that this created, what are some practical steps that I should take to protect myself and our children:

- his credit score affects our ability to buy a house
- his monthly obligations affect our family finances
- our finances affect our ability to pay for kids' college

If I decide to get divorced after analyzing this and other issues, what should I be thinking about now - in terms of practical steps?

He just can't help himself and I do not know if I can be his partner...[/quote]

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