Immediately cancel all joint accounts. Creditors can legally pursue both joint owners, regardless of who accumulated the debt. As long as the account is open, creditors will hold both of you responsible. Late fees will be reported in both names, which can seriously harm your credit history.
You may be required to pay the full amount upon closing the account. You can ask the creditor to split the balance between two separate accounts if you can’t pay off the full amount.
The agreement reached during the divorce can specify who will pay these bills.