I haven't tried to answer you yet.
You have given me plenty of information but you have also asked multiple questions, dealing with multiple legal issues. As you may not be aware, the Rules of JustAnswer specify that each customer ask one question in each question thread. These are new questions that you are asking. For new questions, the customer is asked to open a new question thread. That is why I offered you a call, so that you are free to ask as many questions as you wish.
If you take a loan out pre-decree, then the money becomes a marital asset, and she could tie it all up in court. The debt is a marital debt as well. If you plan to seek the loan after one of you files, then you will need court approval to do that.
It can take as little as 6 weeks to get a decree, or as long as years---it all depends on you and your spouse and what you will be fighting over. Six months to a year is average.
Absent something unusual, you have no claim to any inheritance that your wife received in the marriage.
Again, if you want to get into depth as regards ***** ***** ins and outs of what you want to do in the coming, a call is the best way to get that information.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
Please be so kind as to rate my service to you. That is the only way I am credited for assisting you.
I wish you and yours the best in 2016,