LS, I feel for you. It's a very hard place to be because you want to save the situation as well as protect yourself. She has already drawn first blood and is probably much more aware than you of the legal and financial outcome of a D. Her Dad getting involved is also a bad sign. Looks like you are keeping your cool so far. You are probably better off going the mediation route but separately consulting a tough L so you can do what's possible before she files - if/when she gets hostile or she demands more than what's fair you'll need the tough L and DBing is all downhill from there. I think SC's H did the right thing to freeze the accounts because now she's still married to him ;-) - tho' its hard to freeze a joint account so I'd be curious how he did it. Once D is filed it is illegal to mess with the joint accounts - but my W did it anyway, so it may be a good idea to put your paycheck in your solo a/c for your protection because bills have to be paid. And keep ALL statements, checkbooks, etc. carefully and preferably locked up - I was naive about that too. Is there anything you can do to keep her from filing for sometime so you can buy some time to DB? I bet SC or her H can come up with something devious! The WAW over the edge could be vicious.