I heard that there is a 12 month wait time in the state of MA after the date of separation (when my husband moved out) until the divorce papers can be filed. is this true?
NO! The only waiting period with uncontested divorces is that after the court approves your agreement, it does not become final for 120 days (90 if it was contested divorce). All that really means is that you cannot get married again for 120 days.
Many people file for divorce while they are still living together and so can you.