她不press charge，銀行不取消責任，那麽她基本上沒有現金淨值

"我名下除了他加給我的6萬債務，還有4萬現金，2.3萬股票（由於已經縮水80%,實在不忍心割肉），IRA退休金3.2萬。" 

Press charge, bank remove 60K liability, she has 40K cash to play around. 

I don't know why she doesn't understand.  No, her husband will not get her 40K during divorce because he defrauded her.