www.capetownlawyer.co.zaI feel for you and your kids. When I was looking for info re: changing my marriage regime (we defaulted into community of property) and then divorce, I found above website.
Why not email this lawyer for some preliminary free advice? Maybe he can point you in the right direction.
It's a pity but divorce is a costly thing, especially if you can't do an uncontested divorce. I am sure lawyers can give you payment terms, so that you can pay it off in installments.
Good luck, whatever way you go. I know the ambivalent feelings of not knowing if the situation can still be saved or not, and I did not even have kids to think of.