I think one or two of the credit card was opened before we even met. I've no way of looking into her debt. I know she got heavy loan from getting two graduate degree. So she probably has over $250k In school loan. Her credit card bill comes to the house and that's about it. She has being sending the signal of doing some stuff on her own, for example she spoke about auto insurance and cell phone two weeks ago. I was wondering why, but now I know that was her way of detaching herself from the marriage. She's starting to take some step to cut stuff off. How long do you think I should wait before filling? I'm willing to be patient, but I'll hate for her to file before I do. I know she's getting great advice from family. Her uncle happend to be a judge and she also got one or two lawyers in her family.