Consult with an experienced divorce lawyer and complete a statement of net worth. Your attorney can go over the entire financial situation with respect to the equitable distribution of marital assets and debts. Appraisal of the property will be necessary.
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Mr Lutsky gives good advice. Generally any property acquired during the course of a marriage becomes marital property. Your ownership would still be subject to any liens or encumbrances on the property, including the loan from your in laws. Your facts seem to indicate that there may not be any equity in the property if you take the in laws loan into account. The real question is whether despite the in laws loan to your husband are they treating it as a " de facto " gift. Good-luck.
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You need to consult with a divorce attorney. While you may be entitled to some share in the property it is not automatically 1/2 as you seem to indicate as New York is not a community property state. New York is an equitable distribution state which basically means a judge can divide assets in any mannor he feels is fair and equiatable given the circumstances of the parties. In this case there may not be any equity in the home so there may not be anything to split up. Consult with a divorce attoreny immediately.
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