He is not allowed to stop paying anything and he can't cancel anything. You can file a motion for continued support pending divorce. Before having his mail forwarded, find out what the bills and marital assets are. Make copies of anything you may need. Also, be sure to have money for retaining an attorney.
Please be advised my answers to questions does not constitute legal advise and you should not rely on it, due to the fact that we have never met, I have not been aprised of the facts in you case nor have I reviewed any documents.
You have the right to seek court intervention, by way of filing a complaint and/or motion for temporary support and maintenance. Without a court order requiring him to pay these expenses, he can withhold payment without consequence. You should also get an order for exclusive use and possession of the home. If you are both on the deed, he has the right to come back and reenter the home. I really cannot give you any legal advise based on the information you have provided to determine what the level of support should be, which could be higher/lower than just the mortgage, tax and insurance. There would also be a child support component.
If he is already threating to withhold payments, it is very important that you take action to file teh appropriate paperwork with the court to protect your rights. Do not wait until he stops paying to take action.
It's important to consult with an attorney practicing matrimonial law in your area.
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You're overdue for a consultation. I hope there haven't been a lot of financial games played in the last 11 months, but you're presumptively o the hook for any debt acquired up until the date that the complaint is filed. Living separately and paying support (like paying a mortgage) is NOT sufficient to cap the marital estate. If funds have vanished, you know have a more expensive fight on your hands than you would have had if you'd filed earlier. That's spilled milk at this point, but get to an attorney. Interview 2 or 3 of them, Google them, ask around, but ... don't wait any longer before retaining someone.
As far as your specifics - you can sure change the locks. And he can call a lcoksmith and have them changed back (or changed again). I saw a couple go throw this literally 7 times - the locksmith joked that he had them on speed dial. If there's no DV, it's still his house if he's on the deed. Conversely, he has a duty to continue paying. What you both really need is to sit down with an attorney. If there's a religious or emotional resistance to filing for divorce (or insurance reasons to remain "married"), then file for a limited divorce / Bed and Board Divorce (like a legal separation), but get something in place so everyone understands their rights and responsibilities ASAP.
IF YOU LIKE THIS ANSWER AND APPRECIATE THE TIME IT TOOK TO WRITE IT, PLEASE SELECT IT AS "BEST ANSWER." Thanks. The above is said without seeing your case file and without my understanding the entirety of the facts of your case. Depending on those facts, the above information be may incomplete or may be completely inaccurate. The above is intended as general information only based on what you described and not as legal advice. I advise you to consult with counsel who may be able to provide better information commensurate with a better understanding of your situation.
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