I have been married for four years in New York. Two months ago my husband left me he is now living with his parents. I am curious about how you go about filing for a legal separation and then a Divorce. Also, I have student loans that were acquired before the marriage is he responsible for those payments? We also have a car loan and several credit cards that are primarily in my name with him as a cosigner. We have called the credit card companies to see if we can change the bill to his name, and they will not do it. He has tried to get a loan in his name to consolidate these bills, but they will not give it to him because of bad credit. What can I do so that I am not left with all of the debt? Also, if I were to find out that he was with another woman that is adultery, and how is that different from abandonment?