I remember after a few months thinking the same thing--"he never said he wanted a D". You are doing just fine. NY always has great advice. And no one is an A+ DBer. We all make mistakes along the way. It's all a learning process.
"if it's really over and he wants to file"...he didn't say that so don't think it right now. Just stay in your house as long as you can, paying what you can. You've discussed it and it seems there is nothing more to say until he decides something. I know it isn't fair to keep you hanging, but continually asking about it is going to push him further away. Remember, you don't HAVE to do anything right now. Just sit patiently and wait (if you want to).
