Remember that a divorce is only enforceable as to the two people getting divorced. Your landlord and other creditors can pursue whomever may be otherwise liable under the law (including both of you if you are both on the lease and/or under the legal obligation to provide necessities of life for a spouse, including housing). It is always dangerous to write up your own divorce. If you truly cannot afford an attorney, consider at least meeting with a self help desk near you. Otherwise, many firms and attorneys will do "limited scope representation" where they will draft documents for a set, flat fee.
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