Question #42: Hello. I was hoping you could help. My husband and I married in 1997. We both moved out of our marital home in May 2000. I moved into an apartment and he subsequently moved down the hall from me-despite my feelings/reservations. Unfortunately, we didn’t know that we had to file with New York State in order to obtain a separation (to proceed to divorce). We both have separate apartments, but during our separation, he quit his job and had no income. I basically paid his bills (his mom paid his rent), and I still cover him under my insurance. (Incidentally, we have not been intimate since 1999 due to his sexual preference. He wanted to renew a male relationship because he missed that part of his life-unknown to me).What is our recourse for divorce? Neither of us want to have to go through the one year separation period-we’ve already done this. We have both agreed that divorce is the best option, but unfortunately neither of us has a lot of money. There are no children and/or property. We both have our own 401(K) plans, our own insurance (he is still covered by mine until we legally separate). How long should it take to obtain a divorce? I would just like this nightmare over. I would sincerely appreciate your advice/help.