The sooner you secure legal representation, the better off you will be. You have many issues here and they are too complex to discuss in this simple online forum. There are many great family law practitioners in your area. Just because your wife says she is taking the kids does not mean she will be allowed to do so. Please speak to several and hire the one you like the best.
You better go in and consult with a local divorce attorney ASAP. If she has no job or income how did she open accounts and credit cards?
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