K.P.
I hate when people write in and jump to say go to counseling, but here it seems like it might be a good thing. Your hubby sounds stressed out, and is probably dealing with a lot of emotions inside that he is bottling up. He might not want to tell you because, well he is a man and they tend to not like to show weakness. He might be mad at himself for not being able to provide better, and for the fact that you had to do bankruptcy. He is avoiding his feelings, and in turn ignoring you. It isnt healthy for you both to be fighting so much, or to ignore each other.
You need to go to someone who can help you sort out the feelings with each other and you two need to learn some ways to communicate and work things out.
It sounds like maybe you are both starting to resent each other, and the stress is getting to you both.
Take time to spend quality time together. Go somewhere without the kids and talk. Go for a walk, and try talking about normal things first, get comfortable just being with each other again. Then you can ease into more serious things.
Dont give up on each other, and try to be understanding of each other. No one is perfect, and it really seems like you have had some hard times. Learn to communicate and try and get passed this. You havent been married for twelve years for nothing.
If you both put in equal parts in making it work, and seeking help, and do your best to not push the blame, you two can reconnect.
It is worth a shot right?