In the state I live Legal separation happens as soon as you file for divorce. In it was wording that stated from this point forward each of us was responsible for our own finances. We were not allowed to use any credit cards that were in both of our names. Unfortunately you nay have issues with anything that he has done up to this point (however you can ask in the divorce for him to release you from being financially responsible for them). His choices may make it hard for you to purchase anything until the divorce is final however you can also ask for him to have to sign off on a property purchase that you make before the divorce is final. My ex signed a Quit Claim Deed on property I bought while we were married and made me sign one on property he bought just before we got divorced. If you can financially afford to buy the property on your own make sure he has to sign something like this (it gives him NO Claim to it). Good Luck.