I am currently separated and have been for nearly eleven years and don't know whether to stay separated or go for a divorce. It was I who left the marital home and moved back to my home town,where I bought a cheap house outright; there wasn't anyone else involved on either side, we didn't have any children to consider and our circumstances are topsy-turvy in the fact that I as a woman have always earned more than him and during the marriage my husband always spent more than he earned. I paid 100% of the mortgage on the marital home for a few years after I left while he studied for a degree, plus a car loan for a car I no longer had access to (he was the main driver as I never really got on with driving). Then I let him take my name off the deeds and mortgage so he could have 100% responsibility, without being given any cash in return, which people I work with think I was stupid to do, but the peace of mind I have had in the years since I left without being emotionally and financially responsible has been worth it. He has continued to run up debts and recently remortgaged the house to pay off around £65000 worth of debt. I have managed to build up quite a lot of savings in the same period and the only reason (apart from the marriage being completely dead even though we are still on speaking terms and I see him several times a year) that I want a divorce is to make sure I am not held responsible for any of his debts. Recent high-profile cases make me think I would come out the worst in any divorce settlement so I am left wondering should I carry on as I am with the separation and forget the divorce?
I will let more knowledgable members give you a fuller response, but I will say that it ismy understanding that debt built up after separation isn't something you would generally be held to account for. If you can get a half hour interview, a solicitor should be able to clear this up more fully for you and you would know whether you want to proceed.
Don't let your work-mates call you stupid.We are all entitled to be nieve or uneducated in the archaic ways of divorce, doesn't make us dumb!