Hi 123mich. I also waited too long - I think - although they do say "it is never too late!" my H walked out 13 months ago. After 2 years of an EA which he consistently denied. Now is in full blown PA with Ow. They are trying to find place to live together. We do not have any legal separation or anything. I have been doing monthly expenses and have to ask H for his share of money to cover. H is creating a huge financial mess.