I don't know what you need to do mentally, but you need to do something to make sure that you are not responsible for the debt she is getting ready to run up. I don't know what the "rules" are where you live. Here, debt acquired while you are married is community debt. Each is responsible for half, no matter where it comes from. So, I think at the very least, you need to go have a talk with an attorney.
I'm tempted to say that when she calls, you let it go to coice mail. I'm not sure talking to her is going to be a really good plan.
