I think her husband told her they should get divorced so the loan sharks don’t come after her again for being his wife. Her husband is a waste of human flesh and even though he got divorced because of his debt he’s also making her earn all the money for debt while he fucks around and shits their money away. He’s pretending to be kind on the surface by “protecting her from mean loan sharks by divorcing her” while in reality he’s the one who’s killing her daily by making her do everything from housekeeping to earning money for debt all the while belittling her for being in the situation he himself put her in.
I am always wondering why Na hea soo and Micheol get divorced because of debt. Now my theory is that it's one of the condition of the shark loan - which is maybe connected to ML because he's interested to her???