Good evening Songsofexperience (such a thought provoking tag!)
I won’t apologise for the breakdown of your marriage…. everything eventually comes to an end…, this is about your reaction to such a sad experience. You really do have a choice about how you can move forward. I hope you reach that point with as little consternation as possible.
I’ve lifted the questions from your piece to ensure I don't miss anything.
“Is there anything I can do to prevent him from deserting us financially?”
Short answer is yes in the short term, but it means you have to move quickly and it is expensive. It will be too hard for you to navigate this area of law without a well informed solicitor to hand, to at least advise you and to help you complete the relevant forms (if you felt confident to represent yourself at Court) and navigate this complicated area of law.
What are my options?
You have them, but they are complicated. Seriously please go and get some legal advice - fast! If you are worried about the actions your husband threatens will actually be taken (becuase of course he may be bluffing - seriously where is he going to go?) then you will need a solicitor to move fast to protect the various bank accounts that you think exist.
“We have a joint property and a substantial mortgage which he has refused to pay off over the years. Instead, he's put money into various savings accounts, most in his name only”.
The fact that the accounts are mostly in his name means nothing if you can persuade the Court that the monies were part of the matrimonial pot. This is a very normal feature of money cases.
“I’d rather be poor than in such an unhappy marriage but ideally, I'd like to find a fair arrangement!”
If you go down the legal route it is going to be expensive so I ask you to think about this: you know that your marriage has ended, so what is the rush? Write a list - and yes I mean it - write a list of what needs to be sorted today, tomorrow, at the end of the week, etc etc.
Our brain is excellent at making us worry about things that can quite frankly wait! I appreciate you are worried that your husband will do X and he will do y, but you know him better than anyone. He has you frightened at the moment and so fear is driving your decision making.
Take a breath, think about what you want to happen and then do it in a planned and purposeful way. That isn't legal advice - just one human speaking to another.
“Not sure where to start. I have to consider the option that he's not bluffing.”
You have already started…give yourself some credit, please!
It is always worth getting some free legal advice, some solicitors will offer 30 minutes or even if you paid for an hour's worth, particularly in your case. Yes you may get the hard sell, but if you take a note pad and pen, you can walk away from the meeting and then look back over your notes giving yourself time to breathe and think about your next move.
Good luck
Paula