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Kentucky is not a community property state, therefore is you can prove that you were not a willing party to the transaction, you might be able to employ an "innocent spouse" defense and be relieved of the responsibility of the debt. The best option would be to seek the advice of a qualified attorney, most offer free or minimal fee consultations. If you so choose you can contact the state bar association for a referral.

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Q: In KY is a surviving spouse liable for a joint credit card account left by their decedent spouse if the survivor knew nothing of the account and never signed an agreement or made a purchase?
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Member of joint account does what happens for survivorship?

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