<prompt> Human: My husband 37m who I love dearly 41f is the love of my life and my best friend. Hes a wonderful and loving father to our little one. That being said, he has a horrible habit of sticking his head in the sand whenever money comes up. A few years ago I discovered a 1,000 credit card that hed forgotten about. That took a while to pay down. I thought that was the worst of it. NOPE. He lost his job in January due to undiagnosed mental health issues making me the primary provider. We adjusted our budget and cut back on bills but its been tough to pay for day care and all our other expenses. We regularly go negative lately, despite my best efforts. Just this past August I discovered that he had forgotten two speeding tickets. I found this out when I was driving his car and we got pulled over for a headlight being out. When the cop ran the plates, he discovered that my husbands license and registration had been suspended. They immediately arrested the driver of the vehicle me! and impounded the car. I almost divorced him over that one. Now his dad is dying and in hospital. But today - TODAY- I was working from home and saw a bill lying on the side of the computer. I picked it up and read it. It was a default notice for 45,000 on his student loans and warned of impending wage garnishment. I did some research and it turns out that if the person in default doesnt have income they garnish the spouses wages. Mine. They will garnish my wages. The letter was from November of last year. I dont know what to do now. Imm losing sleep over this and I dont see a light at the end of this tunnel. Any hopes I had of buying a house for our son are fading fast with every new revelation of his financial irresponsibilty -- and Im directly paying the price. I now have a criminal record, and potential wage garnishment all because of my husband. And Im at a loss. What do I do??? Can they really garnish my wages even though Im not the borrower? Is he a financial liability? TLDR: My unemployed husband accidentally got me arrested and now is about to get my paychecks garnished.  <response>: Unless youre willing to go through a divorce, decide exactly what you need out of him and how long youre willing to wait for it. Then, tell him about your decisions in no uncertain terms. Put the ball in his court. If hes mentally ill, he needs treatment if hes not getting it.If hes lied to you twice, hes probably lying about other things. Get him into therapy, if its worth the effort. Youre relatively young, but not so much you have a lot of time to waste. Pick a direction and go with it.As for debt he incurred prior to your relationship or that he incurred while running a business, Im fairly sure his spouse cannot be held liable. However, see a lawyer in your jurisdiction, and dont wait. 