The worst nightmare of individuals engaging in illicit encounters is being caught in the act. However, not all secrets can remain hidden forever so as soon as your loved one finds out, you need to (a) avoid panicking, (b) take constructive actions, and (c) be accepting that it already happened. You need to decide what you want to do and settle the score with everybody involved in the extramarital affair. Here are some of the things you can do:
For starters, once you are caught, own up and admit to it. Do not deny that you are having a marital affair. Be honest on why you did it and who you are doing it with because denying that such things are happening in your life can cause extra anxiety in your loved one and can put extra strain on your marriage. There may have been signs that have alerted your loved one that you are cheating on them so even if you deny it, the evidence can just say otherwise. Explain why you cheated but do not defend yourself.
Next, you should decide what to do with the affair and what you should do with your marriage. Cheating spouses often have a lot of reasons for their infidelity, and you can use it to decide whether you want to work things out or end the marriage already and stay with your lover. It is up for you to decide whether to completely end the affair or your marriage, but once you have decided on what to do, be sure to express your desires with your loved one and your lover about your plans and decisions. If you want to end the affair and mend your marriage, be sure your loved one knows so the two of you can compromise and work things out together.
Finally, you need to follow through. Once you know what you want to do, make sure you act on it as soon as you can. Still, remember that this may be a sensitive time for your loved one, yourself, and your relationship. If you want to remain married, work on your marriage and your relationship. There may be bitterness involved for a long period of time between the two of you, and forgiveness may be delayed a little, but showing your loved one how much you are willing to make things work out between the two of you is a good start in making things right. On the other hand, if you want to end the marriage, you need to do that soon as well and not let the marriage linger on.