Everything is pretty much joint, she has some CC's in her name as I do in mine. The house is joint however her name comes first, I have been told that this makes her primary? Not sure how that works though.
I understand it's business, but I don't think she will see it that way. Obviously, this is something that she & I need to converse about, it will effect her just as badly in the long run if something isn't done ASAP. I won't go this alone, she is part of this whole picture and will have to realize her responsibilty here one way or another.