Regardless of whether you decide to separate/divorce, go to a lawyer now. Do not announce that to your husband. Set aside what you can to pay for legal advice. You badly need legal advice.
If you have any income of your own, establish a bank account in your own name that he cannot access, and put your future income into it. Do not say anything to your husband about anything, until you consult with an attorney first. Don't use an attorney that your husband has any relationship with.
Go to Barnes and Nobel, and pick up some books with advice for women contemplating divorce. Google relevant topics.
Does your husband have any siblings? They might have a claim on prooerty owned by your father-in-law, if he suddenly passed away.
Sign nothing without having a lawyer of your own look at it.
I'm sorry you are living in such severe financial insecurity. There should be no financial secrets between a two married persons. My guess is that there have been other problems in this marriage. Get all the professional advice you can.
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