I asked H to leave; regret-now what?

[Dom R]

You're right, I don't want a divorce, but I don't know how to financially protect myself other than a legal separation.

well, even if you decide to go that way... you're sunk, since you chose to take the debt on in your name. At minimum, you will be responsaible for half of it.

but.. sounds like you have some *personal* options other than that.

I want to call or email him but I don't know if I should; I guess I'm afraid of being rejected.

Time to get over that, i think.
Forget about emails to your husband... seems like they dont work.
if you want to communicate with him, seems like you are going to have to call, or go see him.

PS: I think that yes, since you were the one who asked him to leave, that you should be 'the one to make the first move'.

Not a "please come back" approach, but perhaps a "lets talk about being together again." one?