Oh my, I was going to ask the same thing. Why would his ex still have a credit card in his name?

Oh boy, that's just asking for trouble!!

I really don't know what you can do. Since his name is on it, he is responsible for it. Garnishing wages varies from state to state. My ex was getting just about half of my social security disability money at one time in PA; and, no, they don't care whether or not you can live on what you're left with!!

If you need advice/help on how to tremendously cut your cost of living just pm me. I know how to get just about everything for next to nothing.
Praying helps too!!

As for bankruptcy, that's something you really need to avoid.