SSi is a form of welfare, so you will have to report any income and expenses you have. They figure how much for rent, utilities, food etc. If your husband or ex husband pays all the bills, then why should they give you SSI? How much of the mortgage are you to pay, utilities, etc, that's how they will figure what you will get, its very confusing. Go to your social security office if its close or call if you have patience and tell them what you want to do and ask them what is going to happen if I pay this much towards bills and I live with someone.
In Florida they are constantly checking bank accounts to see how you spend and whether any extra money is coming in. Living with a spouse or a roommate may deduct what you receive. Losing medicaid would be huge problem and with all your credit card debt I would be concerned with judgements, some states let creditors put liens on your house. Good luck to you.