If she has not already filed for divorce, get a lawyer and you do so now. The lawyer(s) can help with the equitable split of resources; if you do not have the ways and means, she can't have the house/car/whatever -- anymore than you can! It does not sound like she is at all realistic/attuned to economics if she is thinking "you" are taking the car versus what can be afforded if there are two households; ask her if she would like the car or an apartment to live in? :-)

If she has not already gotten a lawyer, you should pronto; my husband's lawyer helped with the impractical (and "wrong") ideas of my husband's ex-wife. Who files first gets a modicum of control (my husband's lawyer suggested he buy his house in a certain county to not live in his ex-wife's county which was more lenient with giving away the farm, whether there was a farm to give or not :-) Just living in a different county, with more equal laws (50/50) saved him from a harder life than he could have had for the 10 years of the process of payment.