if she's afraid of it and putting it off then that implies that she knows that she's wrong on some level. if you live near one, have you tried the local universities? my dad and his girlfriend go to couples counseling, and her to additional personally counseling, at the college for a reduced rate since it's students not fully licensed psychs.. obviously the students are monitored.. either way an unstoppable force and an immovable object can't coexist, personally I would protect myself and my assets as best as I could in writing. unless you can get her to compromise, or chose to compromise yourself.