He is obligated to give me nobelieve me, I've checked no such thing as common law marriage in California or the state we're in now. Christine, I certainly see the spot you're in. I really can't tell you what to do.
I would certainly contact the legal aid organization in your area to see if they can help. They would probably advise you that you are what is commonly called judgment proof, but the more proper term is collection proof.
A creditor (including the payday loan companies) could sue you and get a judgment against you, but probably couldn't collect anything on it, so filing bankruptcy would not be necessary at this time. Good luck.
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