Husband has no sex drive with wife but ejaculate always to phone sex?

A call for therapy: Hopefully, this situation has not gone far for a good Marital Therapist to guide you both toward a way to answer this ring-tone. (sorry for the puns). But before things get worse between you, consider couple's sessions and possibly sex-therapy. I may be hard not to be hurt and angry, but if you can, it will help. If things are already too bad - you still can benefit from individual counseling.