No worries about the delayed responses, Denver. That's why I'm trying to volunteer myself to help with moderating. Different people in different time zones can help lessen the work load.
As for the lawyer suggestion, well, I would like to, but my financial situation is preventing me from affording one.
I just found something odd about her other account. Anyone with banking background can probably tell me why. i had this idea that she would be having an account completely separate from our joint, but I was checking our online banking, and her new accounts are listed together with our joint accounts. So basically with our current online login I can access her account records too. What gives?