My question involves divorce in the State of: Florida

Hello,

Goal: To prevent my wife's debt from having an effect on my plans for my family's financial future.

Questions:
1. Not being a signer on a credit card, yet legally, through marriage be, tied to the debt on that card, what rights or means do I have to prevent further debt?

2. If a divorce were to occur, can non-essential, common purchases be sumarially dismissed from any judgement against me if I can prove that I have made repeated attempts to correct/curb my wife's purchasing habits while at the same time I exhibit my own financial planning? Would it simply be a matter of going through the receipts and saying, "Here you bought this [explicative], you can take it with you along with your debt."?

3. Is there such a concept as a financial divorce or would a post-nuptial defining financial obligations be the route to [try to] take? I highly doubt this would be successful since it would require my wifes cooperation to be responsible for her own debt.

4. While I don't like to use bankruptcy as a way out since I feel people should be responsible for their actions, should I encourage my wife to file such as a means reduce "MY" obligation and then seek a post-nuptial or divorce?

Events:
I am trying to avoid the use of divorce as a means to limit financial liability with regard to my wife's credit card use. My wife eventually charged over $30K in cards before I caught her in an affair. (Note: My wife paid her bills and I paid mine. I maintained my own accounts for personal & business purposes but I also had access to her account so I could transfer monies to cover her bills when needed.) After working things out, we took a 2nd mortgague and closed what accounts we could. I focused on those accounts that had the highest interest rate first and then those with my name (unwillingly) included on them. (I've used a debit card since marriage for all my purchases.) For the balance of debt on cards with my name attached, I paid $7k to close those accounts.

So, currently, my wife has no credit cards that have my name on them but she has, again, charged over $12k. My constantly having to cover her debt has hindered my ability to safe for our retirement and is making it more difficult to keep up with my children's college fund (Florida 529 plan).