What Matters is She said "I DO' and he said "I DO"
If you were dying on the side of he road anyone can run water over your head and Baptize you...now preferably your folks get you Blessed and Confirmed with the Holy Sacraments....but last breath on the side of the road anyone can baptize you and with Marraige I DO means I Do. JMO
Nevertheless, Howard SPECIFICALLY said that Anna wanted to get married but he didn't. In my head, that says there is no way it can EVER be deemed a marriage because that was NOT Howard's intention.
The benefit of not being married?? Not responsible for her debts.