Niagara Falls, NY Divorce Law Firms & Lawyers

First, immediately call up all your credit card companies and remove him as an authorized user, and tell them to cancel the cards and issue you new ones with different numbers. Then, tell him he owes you the money he took as cash advances, and that you want it back immediately. Then kick him out. Since he's got a kid, give him till the end of the school year, if necessary. Then file for divorce. You say he's verbally abusive- if you're afraid of him, and you have grounds, get an order of protection in criminal or family court.  Since New York has no fault divorce, divorce makes more sense than annulment. You don't need a reason to get a divorce, but you do need to prove grounds for an annulment. It probably won't be very time consuming because without your credit cards it's doubtful that your gold digger hubby will be able to afford a good lawyer. Go with a divorce, not an annulment.  

If your wife is here you can file here. An attorney can file on your behalf. Alternatively, if you meet the residency requirement in Hawaii you can file there.

The answer really depends on the down payment: was a gift to you and your husband, or just a gift to your husband? Generally, any equity put down from one person will be credited back first before the remaining equity is divided. It sounds like your MIL put down some money and lives in the house, making payments, and she may be an owner of the house with you and your husband, in which case she would get her money and equity back. Talk to a lawyer in person to get a more detailed answer because property issues are very fact specific. Good luck!