We plan on being married. We just cannot get married right now. I will be going through bankruptcy, and I am not going to drag her into the middle of it by marrying her.
So, for now, marriage will have to wait.
Have you discussed all the implications of this with her?
The marriage vows say ' For richer, for poorer, in sickness and in health. '
I appricate you don't want to involve her in your financial mess, but is she willing to be involved in it?