My husband and I lived in NY for 8 years. We had separate checking accounts and separate credit cards. We then moved to CA. He opened 2 additional credit cards in CA (I did not co-sign). We lived there together for 22 months. I have since moved back to NY. He still lives in CA. He has $0 income and I know that he is running his credit cards into debt. I cannot file for divorce in NY until I live here for 1 year. NY & CA have different laws concerning credit cards. Once my husband's credit cards to go collections (which will happen), are collectors going to come after me? What options do I have?