Shawn, like I said, wait and see. I will talk to my L about options today. I want to find out if it is possible to D without having to go through separation first just in case he is taking too long with financial aspect. Maybe he'll give me some pointers on the way to protect my credit with me not being under the same roof but him still not refinancing (quick deed or whatever). I just want to start MY healing process and being around him is not helping. At times I almost feel like there never was a "bomb" day and we are just carrying on as usual (especially lately when OW has been out on vacation).