Thanks, MCS, for the read and the feedback.

Only one response today from the WAW suggesting I take money out of my 401K to pay off the car loan or find another co-signer.

I guess I want her to own the D. She left. She may or may not have had good reason to, but she left and broke off all contact. It's not about the money (we don't have kids or assets in common - could be pretty cheap here). I want her to say, "Yes, I want a divorce." I haven't heard her say that yet.

Not sure when/if/how I should respond. I can't afford any more DB coaching sessions right now, so I would love some free advice here on the forum.

Me: 39 W: 46
D: 7.5 S: 5
SD: 16 SS: 12
T: 2 (06/2012)
M: 2 (12/2012)
Separation 09/2014. No talks of D yet. No communication since 10/3/2014