Its time to file then. While divorce is in process if his name is on the deed of the home and all the bills then he will have to pay them.
Also depending on length of marriage you could go for some steep alimony.
Firstly, its not true that you have nothing, you still have yourself and your respect, and while it may feel like it doesn't amount to much, it will later on.
Also it is in no way too late to have a new life at your juncture in life.
As corny as that sounds many people have found themselves in completely different lives even after mid 50s'!
Don't give up because you married one douche bag.
Also depending on length of marriage you could go for some steep alimony.
Firstly, its not true that you have nothing, you still have yourself and your respect, and while it may feel like it doesn't amount to much, it will later on.
Also it is in no way too late to have a new life at your juncture in life.
As corny as that sounds many people have found themselves in completely different lives even after mid 50s'!
Don't give up because you married one douche bag.