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You need to know exactly where all the money/debt that both you and your husband have. and then I would speak to a lawyer, many divorce lawyers will give you a free consultation, just because you do these steps doesn't mean you have to get a divorce. But knowing your situation, and how the process of divorce works can only help.
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“If we could change ourselves, the tendencies in the world would also change. As a man changes his own nature, so does the attitude of the world change towards him. ... We need not wait to see what others do.” Gandhi
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