Good morning, ladies.

...and he works at a car dealership

It’s smart of you trying to hammer out the negotiations by yourself if the lawyers cost more, but you said you have a flat fee. It looks like you aren’t getting anywhere with him in doing that, though. Ultimately, you need to file for divorce and let the lawyers help figure out what is best for you both and reach a settlement.

Since you don’t have much money, it’s going to be quick and simple. You may not be happy with all you come away with, and neither will he. That’s divorce.