Have either of you initiated divorce proceedings with a court, including serving papers on the spouse? (Filling out papers and not yet filing them does not count.)

If so, you are both obligated to not spend or transfer assets except for the necessities of life or the ordinary course of business.

As for the possibility of a credit hit, that seems to be the least of your worries. Since your spouse left a trail of debt, your credit will likely take a hit from that, anyway.

Since both choices offered you include you taking your personal items out, that sounds like a good thing to to, for starters.

The choice of what you do next should be considered in terms of how the court would view it, especially as to how fair you are trying to be.

I suggest serving your spouse with notice about the choices faced and saying that you will select Choice 1 (or 2) unless he responds within 30 days. (You serve notice by having a friend mail the notice first class to a known address of your spouse, then having your friend documenting and signing the document.)

That way, it appears to the court that you are willing to cooperate with your soon-to-be-ex-spouse, even while not letting the issue drag on indefinitely.