The reason that the complain probably states tht is becuase the creditor or debt collector is not aware of what your marital status is and because Idaho is a community property state so assets and debt can be both partners concerns.  If things are as you say and everything is separate and there is no legal marriage then she can not be made liable for your debt.  But I would strongly suggest that you seek help from an attorney in your area as soon as possible.  Good luck.