Thank you for your question. I am happy to assist you.
A Chapter 7 bankruptcy may help with both of your financial problems.
A Chapter 7 bankruptcy could discharge (erase) all of the credit card and any other unsecured debt. It could be an opportunity for a fresh financial start.
A husband and wife are not required to file a bankruptcy jointly. One party can file without the other.
The effect on the non-filing spouse will be dependent upon whether there are joint debts and/or joint assets. If there are no joint debts and no joint assets, there may be little or no effect on the non-filing spouse. If there are joint debts and/or joint assets, the non-filing spouse would remain liable on the joint debt and the joint assets would need to be included in the filing. Thus, you will want to consider a joint filing with your spouse prior to divorcing.
After you and your wife work things out, you can move back to Florida.
Your husband would typically be required to pay spousal and child support.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
THIS IS FOR INFORMATION ONLY. NO ATTORNEY-CLIENT RELATIONSHIP EXISTS. PLEASE CONSULT A LAWYER IN YOUR STATE FOR LEGAL ADVICE