heard from who? from someone qualified to give you advice on your personal situation? namely your pastor or another priest, or someone from the diocesan marriage tribunal? I think not, I think from a busybody who read an article on annulment and Catholic marriage and now thinks he is an expert in condemning other people.
your own situation is unique, no one here is qualified to comment, except to offer general statements about Church law. You need to see your priest and get straight answers, and he will refer you to the tribunal for further action if necessary, assist you with paperwork, and with convalidating your current marriage if that is indicated.
number one, even if you had committed an offense (procuring an abortion is one example) that carries a penalty of excommunication, if you did not know the offense was grave and incurred such a penalty, you would not be guilty.
A Catholic who marries without regard for Church laws on marriage voluntarily separates themselves from the sacraments, but that is not the same as excommunication, which is a formal penalty imposed in grave cases for the purpose of aiding the person’s repentance and return to full communion with the Church. You have to want and actively seek excommunication and the acts that merit the penalty, you can’t get it “by accident”.
just on the basis of facts as related in OP, if they are accurate and complete, to be free to marry now, or to convalidate a current civil marriage, a rather simple paperwork procedure is indicated, but since the past marriages will require a bit if investigation and documentation, the process could take a while, but eventually easily resolved.
there is not enough info on husband’s baptismal and marital status to make a determination here, as I said, see your priest and get the ball rolling.
welcome home, you would not be asking had you not been heading home to the Church and her sacraments anyhow.