You need to address the finances now; for all you know he could be continuing to run up debts in your name right now. You need to see an attorney to figure out how best to protect yourself, and to keep H from spending your share of his pension. This doesn't mean that you have to file for divorce, just get information about what you can do to protect yourself.
You're not unemployable at 55, so get out of that mindset. Sticking your head in the sand is not going to fix your financial problems. I know it's scary but the sooner you address it the better off you'll be.
