Introduction

[SteveLW]

So for the car insurance, just get new policies with another carrier, then drop the current carrier. People do it all the time. They told you that because they want to get paid, and they know he probably won't pay.

A lot of what you said makes sense, but I think you would have been in such better place if you had kept DBing, kept reading the book, kept posting here, getting advice along the way. We could have kept you potentially from contacts the OW. We could have helped you through the move, etc. Water under the bridge.

One thing about DBing is that you forget yesterday and move forward today! So start DBing now. And yes, most LBS have to come to the decision to remain in limbo, or to file. General rule is give it a year from the original BD. Most of the time you can then move forward with filing for D with a clean conscience that you gave him plenty of time to "come to himself". But this turd of a coward probably will be unwilling to do the actual filing, and moving the D along. That will more than likely fall to you if it comes to that.

Keep posting! WE are here to help and support!