Hope-
NYS does have a good idea re: the therapy. Perhaps if you don't phrase it as "marriage counseling" he might be willing to go. You could look at it as an "emotional mediation." If you 2 choose to go to a mediator to work out your financial issues, it might be best to have all of the emotional stuff out of the way, so to speak, in an effort to make that go more smoothly. The mediation will bring up a lot of issues and emotions on its own, without all of this other stuff hanging over your heads. Just a thought.

Keeping you in my thoughts and prayers tonight.