First of all, you should file a lawsuit for divorce, because you don't know how much foreign debt you still have. Divorce is the best way to save yourself. Where a creditor claims rights for debts incurred by one spouse in his own name during the marriage relationship, it shall be treated as the same debts as the husband and wife. However, unless one of the spouses can prove that the creditor and the debtor clearly agreed to be personal debts, or can prove that it belongs to the circumstances stipulated in the third paragraph of Article 19 of the Marriage Law. If it were me, I would try my best to contact my husband first and ask why, because of the usury I owed. If it's for family and life, then we can have a good discussion and work together to face the reality. If you gamble for your own selfish desires, it depends on whether your feelings are deep. The rest is to live a good life, take care of your children, put aside your debts first, and communicate with your creditors. It's not that you don't pay back, but you have no money now, but you must pay back the money. I believe the creditors will not be embarrassed to see this!
if the husband uses the money for family expenses, then the three couples have debts and have the obligation to repay. If it is used in some improper ways and proves that the debt is owed by him alone, you can refuse to pay it. Husband and wife should trust each other and understand that the skin holder has done something he shouldn't have done. He owes a huge sum of money. If he can carry it, he will give it up. Everyone wants to go into battle easily when he comes to the world. If you don't understand, Dashan will not carry it, so he has to choose to leave.
according to the new legal interpretation. Debt owed by unilateral lending within marriage, if not used for family life and production, does not belong to husband and wife, but belongs to personal debt. For example, borrowing money for gambling and squandering. This legal interpretation can protect innocent people who are in debt because of marriage. But there needs to be sufficient evidence to prove that the other party's debt has nothing to do with his family and himself.
it's a marriage loan, but you didn't know it, and you made sure that you didn't use it yourself, didn't benefit from it, and you didn't have to bear it. If your husband doesn't agree to divorce, you can directly sue the court for divorce. Because of his serious fault, the court will decide the divorce soon.