As to splitting the accounts. Don't tell her what to do. YOU go to the bank, open your own separate account, and transfer your half of the money in it. Talk to the bank manager about what you are doing. Sadly, this happens all the time, and they are used to handling it.
I'm in the middle of remodeling our house too. I stopped all work the day the bomb dropped. I told W I needed to wait until we resolved our situation before I did anything else. It's been one of my few good decisions.
I would do something about your credit cards too. Puppy advised me to do this, and I didn't quite do it soon enough. I'm now faced with a possible extra 5k I didn't want. From the sound of things, you need to do these things sooner than me.
Understand, these actions are not punishments, they do not have to be permanent, you are protecting yourself and your family.
M:42|W:40|D:17|S:13|Bomb:10/23/09 Awoken's Current Thread