I'm in a point now where if I don't find some answers on how to proceed with my finances, I'm going to be in a serious financial debacle.

I've now been separated for seven months. I live in a house that was refinanced and got an equity line of credit. I'd sell the house, if the market showed any positive influx of buyers. In my community, however, it doesn't seem to be a prime location. I'd also probably take a loss on the house — but my income is being eaten up by the mortgage payment.

I finally have an order for some child support, but it's insignificant compared to the cost of living in the house and my children's care.

On top of generally not having enough money to keep up with our affairs, I have my attorney fees, counseling fees, the guardian ad litem's fees, and the psychologist fees for an upcoming psych evaluation. The bills just keep rolling in — and there just isn't any money to roll out.

I want to make wise money decisions as my name is separated from most of our old accounts — to start my own credit history — but I worry that I won't be able to continue keeping up on the debts that are still currently equally in my name.

My attorney has asked for additional financial assistance to retain property and credit scores, but there isn't any guarantee that my ex will agree to this. Any advice or suggestions you have would be greatly appreciated.