Does NC have a legal separation and a divorce? If so, I say file legal separation - that wouldn't start the D process but would separate you financially.
If not...perhaps you should file for D. You can always drag it out, withdraw it from court. I know it's the LAST thing you want to do, but the reality of it is, that piece of paper doesn't change the R you do or do not have with your H, but it does affect your financial situation drastically.
I am so sorry you are having to make these decisions. (((L&L)))
Michelle - Proud DR Rockette S: 28JUL07, D'd: 29OCT09 http://tinyurl.com/27j9qo2