DD, How can you let the financial consequences of her actions fall on her shoulders?
Can you change 1/2 of the bills into her name? Wife, I have decided, since we are going ahead with an in-house separation, 1/2 of the bills will be in your name. Here they are. *show her bills mailed to house in her name* If you do not pay them, your credit will be trashed. They come with size 10 big girl panties....
If she doesn't pay them, let them get shut off. Pay the deposit or whatever it takes to get them in her name. Let the emotional creature *feel* the weight of responsibility.