Back in the beginning when I was young and naive about money troubles (my family was responsible, and didn't deal with such things) he told me that I had to go through bankruptcy with him. I had NO KNOWLEDGE of his loaded credit cards, and I was not on his and mine were completely clear, actually sitting unused in drawers. I lost all my good credit at that time. I have it back now, (for some time) and he is in debt consolidation, again. I told him NEVER again would I sign anything with him. If I have any inheritance from my mother's estate it will be controlled by my sister. (Yes, I trust her) He will have no access to it.