the actual lender: First Bank, Band of America, whatever bank issued the card. If you are not on the contract as a co-account holder or guarantor, you should not be able to be held liable by the banks. What a judge does in a divorce is based more on equitable division of property and assets. While not using the cards yourself would be a good argument for not being liable for any of the debt, if any of the debt is due to household items or benefited you in some way, a judge could place some of the debt on your back. Not that it is likely, it is possible, depending on all of the facts of the situation.