Hate to tell you VMC Hound, you may not be out of the dog house yet.
Had a new hire classmate of mine got married and then divorced one year later. She was spending him blind on credit cards and running off to Vegas with her boyfriend while he was on trips (using his passes, no less). She ran up $120,000 of joint credit debt in secret and wanted to stick it all to him in the divorce.
Thankfully the judge had none of it, and ruled that the vast majority of the debt was hers, divorce granted, case closed. She promptly filed bankrupcy herself, and the credit card companies turned to my friend and said "Pay up!"
His lawyer said they could win against the credit card companies, but it would likely cost him years in court and much money in legal fees. He recommended bankrupcy as the best way out, and my friend finally agreed.