A divorce can either be contested or not contested.
Uncontested; Now the fastest, (and by far the least expensive) way to get a divorce is if you can agree on the terms. If you can agree on "who gets what" there is not a need for attorneys...this will cut the costs to a very small amount (court fees)
Contested; if you can not agree, this is a contested divorce. To proceed you need an attorney or need to act as your own attorney (very bad idea). Here the parties present evidence to the court on "who gets what" and the court decides. This takes longer and involves attorney fees for both sides.
SO, if you can agree with your "soon to be ex" on who gets what, great! If not, you need an attorney.
And so will he...and you will both pay a good deal of money to your lawyers to "fight this out" until one or both of you decide to settle this.
So the best way to approach this?
Talk to him now...and work out a deal. Particularly with regard to the property (who gets what of the stuff and the debts)
If you can work this part out...the divorce gets much easier to resolve (and far less expensive)
If you both agree, and the marriage has been "broken" for at least 6 months? You can file for divorce immediately.
Please let me know if you have more questions. I am happy to help if I can. Otherwise, please rate the answer so I may get credit for my work.