Unless rules have changed, you have to file for divorce, you cannot just stay separated for any length of time and automatically become divorced.
Yes, you can date while you're legally separated or mutually separated and it can not really be held against you. but check with a your lawyer first. However, in the military you must be legally divorced before you can have any sexual relation with anyone or you can be charged for adultery. don't believe me search in about.com.
As long as they don't use marital property to acquire the separate property. _________ before you venture into more debt, the best thing to do is go ahead and finalize the divorce. When you are legally separated, lenders may question your income and assets because separated is not divorced. Your credit may show that you are overextended because it will show you as married. Do you have a marital home that has to be liquidated for settlement purposes? That is money that could help you buy down your interest, etc. Lot of things to consider when you are not yet divorced. Seek financial counseling first and discuss starting the divorce process before you jump into anything. You are not yet totally free!
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