Good day, I need some clarification please?

QUESTION 1: My husband and I are married by Antenuptial Contract with Accrual. We own a home which we opted to put in my husband's name. Now, because the house has been accrued during our marriage, I realise that we are technically co-owners. Does this co-ownership only kick-in on death or divorce? Or am I currently a legal co-owner? Can my half be accessed by someone who claims that I owe him a fairly large sum of money, or is our home safe as long as I am alive and still married??

QUESTION 2: The other issue is......in our antenuptial contract, it states that my husband agrees that all wedding gifts and ALL household items belong to me. Are these mine NOW or only on death or divorce? Or am I am liberty to give everything in our home to our adult children? According to my logic, I am the sole owner of these items and therefore I can do with them as I see fit at any time that it suits me!! Am I wrong? Again, I am concerned that this person who claims (falsely) that I owe him money, can send in a Sheriff to take away all our belongings!!!

He can take the case to court but because I cannot afford an attorney to defend his claims, it is likely that the court may rule in his favour......they say that anyone who represents themselves in court is a fool....and I fear that this may have a disastrous result in my case as it is rather complicated!!!!!

I would appreciate answers to both my questions please.....thanks so much.