Bankruptcy is always an option if it completely falls apart, but for now, do what you can do. And that would be taking the baby steps you need and take it day by day. Don't get ahead of yourself.
Don't panic about the future, its not written yet. Don't worry about the past, just make the changes you need to make, and you'll get there, either way the marriage plays out.
Just give her the time and space she needs now, and really, you need it as well. Time is on your side.