Hi sleeper. No, I don't have a FS right now. I tried to initiate one a while ago but then realized I did it wrong and H never followed up with me to sign anything in front of a notary. The documents would've stood up in court if a formal S or D was filed but not before then; and I didn't want to file (nor did I have the money to file) for either. As far as my financial protection, I'm pretty sure the worst of the damage has already been done. Foreclosure, repo's (I have my own car now that he can never claim rights to because it was a "gift"). I am comfortably in my own apartment with most of my "ducks in a row"; I just have a lot of IRS debt and some other bills that I am joint account holder on that are either being paid, in collections, or waiting for me to make a decision to go bankrupt if I have to. The only thing as far as I know that H really has the power to screw me on this time is a garbage collection bill (big deal), and the car he is currently paying on. Other than those two things, the worst has already happened; and there's not much that can be done about it. I spoke with a lawyer for some free advice and she said that since H and I didn't really have any assets to speak of and the damage was pretty much done; a separation legally would only cost me more money than I can spare right now. I may end up just using what extra money I can scrape together for bankruptcy once I'm sure how much balance is left on the foreclosed home. Law dictates in my state that even if I had gotten an official big D last summer, I'd still have to pay up for any leftover balance due on the home if lost (and now it is). So...I have done all I can do and I have pretty much gotten screwed but I do have a decent job and plan to be diligent about getting things squared away as best I can. No, I can't say I am attracted to him in this state for sure!
