If I were you, I'd speak to a lawyer. Many will give a free consultation. If you do go, I'd suggest writing down as many questions as you can think of to make the most of the visit. Maybe you can still file for a legal separation. Tell the lawyer if you are unable to afford his fees and ask him for any suggestions and/or referrals. Do you think your husband really believes you're serious? Many married people say they want a divorce but they are just venting. Best wishes.