When Caitlin made the difficult decision to separate from her husband, she discovered that untangling their shared mortgage would be far more complicated than ending their marriage. Less than a year after purchasing their home together, both names remained on the loan with a crushing $5K mortgage payment each month. Meanwhile, the house has already lost value, leaving them underwater. Working 60 hours a week between her full-time job and part-time work, plus receiving VA disability benefits, Caitlin technically earns enough to cover the mortgage—but barely, and with no safety net for emergencies or unexpected expenses.Caitlin’s husband refuses to pay for divorce or refinancing costs, leaving Caitlin to navigate loan assumptions, separation agreements, and the terrifying prospect of going it alone financially. But in this coaching session, she discovers she has more options and negotiating power than she realized.Karen Covy is a Divorce Coach and Consultant, Lawyer, Author, and Speaker who is dedicated to helping people make the best decisions possible for themselves, their families, and their future - especially in stressful times. You can check out Karen's videos on YouTube.You can connect with Karen on LinkedIn, Facebook, Instagram, Twitter, and on her own website at karencovy.com.

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“What did the council decide on item 42?” — answered with the speaker and the moment.