Nextwife, I understand your point, however these bills are in joint name. No matter who has use of the debt, the situation may be that one person cannot afford to pay that bill on their own.
Nevertheless, kel, his legal responsibility regarding the bills is to the creditors only. He is responsible for payment, so if a loan defaults the creditor can sue and get a judgement. However, since your accounts are in joint name, his rope is tied around your ankles. If his credit goes into the dumps for non-payment, your credit goes down with his and you'll also be attached to his judgement. This is a sticky situaton because you could logically divorce and have guidelines in the decree specifying who is liable for which debts. However, if he defaults on his end of the deal, by the time you get an order for him to pay back payments and then actually get the money, the loans would be well into collections status.