BBJ - Does Dan know that you dont want to file because of your religious convictions? Maybe he also has the same thoughts against being the one to file. He probably does not want to file because of guilt.
Have you seen the movie "Sargeant York" with Gary Cooper? He had an inner struggle with his pacifist Christian beliefs coming into conflict with patriotism. He was eventually able to find some things in the bible that helped him to decide and defend his country.
The nice lady I am now dating is a devout Lutheran (father is a minister) who had an X that cheated with multiple women and stole money from her. She had to get him out of her and her daughters life and came to grips with being the one to file.
I also told myself that I would never file, mainly because I take my vows seriously and not for religious reasons. However, once W started exposing the kids to her affair and threatening getting the highest priced lawyer, that was my breaking point.
I fear that Dan may only agree to filing first as a means to get you to cosign for the house.
