Does your H know that these are the options you see? What does he think about this?
He says let's do the bankruptcy, let's file for legal sep, but doesn't take any action. I have offered resources including a bankruptcy attorney, he could see my relative who is a D attorney who would lay out how this works, he could see his own D attorney (obviously), I have a financial advisor, we have an accountant, we have a referral for a debt counselor...
I have to make the appointments and pick the path (and that is what he has always ultimately resented me for cuz I'm controlling)...yada yada..
I could lay out the options one more time and see what he says. He's too chicken sh*t to own this one. Dammit.