my h and son gave me necklace

[MrBond]

Why on earth would it cost you $20,000 for a L? Are you and your H that wealthy? In any event, you need to get some kind of legal counsel especially since your H hasn't paid any income tax. You are also responsible for that. If you also earned money those years and didn't file, then you are responsible and might go to jail.

Forget about your H for a change. Get your own house in order first.