Small Update:
I just got off the phone with J. She did speak with an attorney today and he is filling papers with the courts this afternoon. I assume those are custody papers, but didn't get any more information on that.
She has already done some of what had been mentioned here: canceled all credit cards and bank accounts and reopened them in just her name. She also said her landlord has already changed the locks on their apartment. She didn't think about changing the names on her other accounts (cell phone, internet, cable, etc.) Is there a reason to take his name off of those at this time? When I recommend she move some of the irreplaceable, she agreed and will be moving them to a friends house.
She did mention that to file for divorce in the State of NY, one has to wait one year or get him to sign the papers. Since no one knows where he is, that is unlikely to happen. I am sure this is the last thing on her mind and I don't want to add another worry, but I can't help but wonder... Her grandmother is very ill (the woman is 93 so she has had quite the life) and is unexpected to live much longer. There is a nice nest-egg that the Grandmother set aside for J in her will. If it takes a year + to get divorced, would that money legally be 'theirs' or 'hers'?