I think there are two issues: whether to separate from him and what to do with his unilaterally putting a down payment on a mobile home. On the former issue, you have already said that you have had it, and it sounds like the husband has overstayed his welcome by 40 years or so. On the latter, maybe something can be done. I do not know if Michigan is a community property state, but, the "innocent spouse" protection is federal/national to the best of my knowledge. Maybe you cannot undo his putting a down payment, but at least you can get yourself off the hook with respect to payments on the mobile home. Given your age, potential future issues with Medi-Care etc., I would engage a lawyer who does both estate planning and family law.