‘ He has taken out loans in my name in the past that I haven't known about until I've accidentally found the proof.’
Oh, he’s fraudulently represented himself as you as well. Last time I looked that was a criminal offence.
I suggest that whilst you are under the same roof, you collate & copy as much documentation to take with you as you can. Store these copies securely & off site.
As he has been posing as you for financial gain & to prepare for the financial settlement phase in your divorce, I strongly encourage you to get a credit check report from the credit agencies, e.g. Experien, Equifax & others. Because not all companies report into the agencies but you’d get a good sweep across all of them.
Maybe something like this would get you started Check my file?
The credit check reports will list current & past credit applications, payment histories & your own credit ratings which will give you an idea of what he has been up to in your name.
You are legally liable for all the debts in your name.
There is no such thing as marital debt that is divvied up in the divorce. If it is your name, it is yours. You need to establish clearly which applications & loans you took out, & work towards a position where you can minimise your liabilities.
You mentioned that you will be getting legal advice, it is important that you get advice about how to split the debt from your own applications & those he made fraudulently. You must protect yourself & your assets.
It may be possible in the financial negotiations for the divorce to have his ‘share’ of the debt offset to him in the settlement, but there is no straightforward path to getting that done. This is important why you need to call out what he has done, document your discovery & negotiate from a position of strength backed up by quality information.
The first step I suggest is once you have the credit agency reports is to contact the report provider(s) about applications he has made in your name & inform them that you do not recognise the debt as one you applied for. Be scrupulous in the information you submit & keep detailed records of all correspondence about each application etc that he made.
It may be that you are advised by the credit agencies &/or your legal advisor that you go to the police to report his fraudulent activities.
I assume that you did not let loans he set up in your name, that you found, go ahead.
BTW it is worth knowing how easy it is for someone to apply online for finance in your name. All they need know is a few salient facts about your everyday life to trip through the automated security questions, & then set the bank, contact details & passwords up so that you would never know that it had happened.