A legal seperation can and will protect you from any of HIS financial failings...I can not stress this enough...my H came home over $120,000 in debt...I am not party to any of it, my credit didn't go in the sink with his...I can't be made to pay back any of those debts!!! Without the LS I would be responsible for it ALL if he wasn't able...and 1/2 if he was able to repay...I would be forced to file bankruptcy and ruin my credit with his...
A LS doesn't necessarily make it easier to file for divorce...depends on the state you live in...but if you are in a community property state by all means file for LS to protect your own financial future!!!
Don't be afraid...if things are going to work out they will...I filed LS once and D twice...but we are back together and happy...and I PROTECTED MYSELF AND MY CHILDREN...H knows that and he is glad and relieved that I did!