That was strictly business and something that needs attention. It doesn't look as if you're making excuses to contact her. If she has decided to open her own account, she should have given you ample notice to get your affairs straight. Otherwise, she really should pay you back for the money she spent. Are your bills separated?
Me 36 Husband 35 D5 S2 separated: 10/29/07-present Served divorce papers 1/22/09 "When the world gives out beneath your feet, it is time to learn how to fly."