How do I handle the hurt and stress of a cheating husband?

My husband has blamed me everyday for him cheating because I told him I was tired one night and wasnt up to having sex. He has become heartless and now says things like “I was never his type” ” or everything I have done for him means nothing. I am at the point of filing bankruptcy because he hardly keeps a job. Last night he told him that he told the other woman that if I call her she should hang up on me because I am crazy (because I called the other woman he is cheating with at one point). He said she is not worried if I call because she know his heart is not with me. He has never paid rent or mortgage a day in his life and I have carried him and ruined myself financially. I want to file for bankruptcy and then a divorce, but I dont even have the money to get started. I am so hurt. He does not come home except to take a shower and head back out. He hurts me with harsh words. I need to control my emotions, I am a wreck, please help