Oh Sweetie, I know how bad this sucks. Don't give up!! It is so much easier to DB when things are going good.
As for the charges, am I correct to assume that you both have full time jobs? If so, why don't you suggest to your H that you guys seperate your money - is this a viable option?
As for your H, don't assume that he hates you and wants a divorce. He is confused and f^&ked up right now. He is self medicating and trying desparetly to run away. Is it possible that he is suffering from MLC?
GH started a LBS book club thread, wander over and check it out, you might find something to read that can help you to cope.