You are, unfortunately, caught in a serious dilemma. You can try to take him to court to have the judge force him to keep up the payments or have you removed from the mortgage and credit cards. In any case, this is why it is essential to have a qualified attorney who is experienced in divorce matters to represent you or to mediate a separation or divorce. Any experienced lawyer would have provided for responsibility for all outstanding liabilities, mortgages, etc. in the Separation Agreement. The divorce process is too emotionally draining and too complicated for anyone to do it by himself/herself. Before the bank would foreclose on the house, it would have a right to seek payment from you as a co-signer on the mortgage. Even if your husband declared bankruptcy, the credit card company could still try to collect from you.
LESSON # 1 For the Future – USE AN EXPERIENCED ATTORNEY! It will cost you much more later if you do not!
Leonard M. Weiner, Esq / Divorce Solutions