Held on way too long in marriage for "the kids", big mistake. We decided 9 months ago that the marriage was over, but due to financial reasons have lived separately in the same house. Husband is living upstairs, I live downstairs. The house is for sale, however, in this market who knows how long that could take. Husband won't respond to any messages, text, email, phone, etc. We are in major credit card debt, have a child going to college in less than 3 months and another child at home that is living in this toxic environment. Trapped, what do I do?