Sorry its a bit of a stressful evening. I suppose the question is do you need to do anything because of the financials or just step back and get perspective? If you need or want to then I think the steps above sound good making it clear that while you don't want to d this is a good step to protect both of you or something similar?
M:44, W:46, S:10 M 13 years, T 15 BD:23/7/2014 W/S Moved to MIL: 23/7/2014 My new place: 21/11/2014 W/S back to flat 22/11/2014 W coming closer, talking 4/2015 Piecing 5/2015 Moving in again 6/2015