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Dear JACUSTOMER - You don't have to sign anything you don't want to sign however if the court rules that your husband has grounds for divorce then the court can order the divorce whether you sign or not. The debt issue is different from the issue of the divorce itself so if you are going to contest the divorce there's no point in agreeing on a settlement until you know if the divorce is going to go through.
From a practical standpoint, if you are living separate and apart there will come a time when that in itself will be grounds for divorce so if your husband wants a divorce he will be able to get one at some time in the future if not now.
It all depends on how much you want to spend to fight all of this and that is your decision. But you have no duty to sign anything that you do not want to sign.