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Arizona is a community property state. Unfortunately, all debt incurred during the marriage, no matter by whom, is generally considered to be the community debt of both parties. Even though you were not on the loan, this debt is considered to be a community property debt and you are liable for it. This is an unsecured debt so they will need to get a judgment against you in order to collect. You might be able to negotiate the debt down but to answer your question, no you cannot avoid this unless you want to declare bankruptcy as an extreme measure.
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