Thanks for your question and good evening.
You certainly should consider filing for divorce here.You could at least end the credit card issues here.I think you may well have to do a walk away on the house.The title here prevents you from a deed in lieu or short sale if the ex will not cooperate.
You may be looking at bankruptcy here for yourself to discharge all the debts.If they foreclose here they may pursue you for any deficiency .So bankruptcy would then be that remedy.
This is a tough situation with not a lot of options if the ex will not cooperate.You could seek to have court award you the house in the divorce but it my too late to save it.If you have to let it go into foreclosure here a bankruptcy might allow you to live in it for a couple of years rent free.
You are going to need a local lawyer here to start with a divorce and possibly bankruptcy if you cannot resolve the house with the ex.
To me starting with the divorce seem to be a good place to start.
Lawyer for you here
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Thanks for letting me help you.Hoe you have a great halloween.
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