i think that is disrespectful for a man to call the house that late at night. even if it was a man in grief, he should know that she is a married women.
secondly, you spoke twice about how you know you made mistakes, then you mentioned she took her ring off.
is it true that you done something to hurt her so bad that it is hard for her to get over it.
you also said your not going to live the rest of your life making up things you cant control. i just want to say i see a lot of guys screw up and they don't want to try to repair "their damage" b/c it may take a while for a women's heart to heal.
send her flowers, do things that is romance, win her heart back. but the big problem is communication, she has to talk to you and tell you how she feels.