Thanks for your question. The best information I could give you in this situation is to fivle for a divorce. You will need to obtain a lawyer in this matter. The court will not finalize the divorce until after the birth of the child.
This will be good because it will allow you to recieve support and set custody and visitaton. In almost all cases the court awards an infant to the mother and visitation to the father. You can also decide after this whether you want to let the divorce linger reconcilliation wise or finish it.
The sooner you establish a separation date the better off you are credit wise. I think you did the right thing keeping accounts separate. I always assume that things are worse credit wise than even you may know. Based on the facts you give I think you are right to have this sense of foreboding abot the future of this marriage. A lawyer can protect you and deal with the creditors if need be as well as any other asset issues. I hope that this gives you some guidance and I wish you good luck..
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