file bankruptcy alone or jointly
Are you the co-signor of the loan? As per your post, I think tha
Are you the co-signor of the loan? As per your post, I think that your husband is the primary account holder for this loan. If so, then you are not liable to pay off the debts. You r ex-husband should file for the bankruptcy, if he wishes to do it.
If you live in a community property state and the debt was incur
If you live in a community property state and the debt was incurred during the marriage, regardless of whose debt it was or what your divorce decree says you are liable.
If you do not live in a community property state and you were/are on the loan or the account you are liable.
If a creditor sues you and gets a judgment you are liable.
You cannot file a joint bankruptcy since you are divorced.
You need to meet with a qualified bk attny to explore your options.
Des.