"I want a divorce, but I am broke! Pretty much literally. I just have a bunch of credit card debt that my entire paycheck goes to, and a small savings that we're currently depleting for marriage counseling. I would gladly just give all that cash to my partner for first and last on a separate apartment. We don't share any of our debt, except for the condo and a car,"
"I'm sorry you're in such a tough spot. If you think marriage counseling isn't working and are sure you want a divorce, then there's no point in continuing to pay for counseling. I think you're going to have to make that clear to your partner and have a talk about how to exit the marriage in a way that protects your mental health and leaves both of you on stable footing financially."
Counseling expenses should stop when counseling is ineffective and the individual is certain about divorce. The individual faces overwhelming credit card debt that consumes their paycheck and has only small savings being used for counseling. The individual would give savings to the partner for first and last month on a separate apartment. Shared obligations are limited to a condo and a car; the condo cannot be sold now and a refinance or buyout may not be possible. A mediator is recommended to reduce conflict, encourage compromise, and help negotiate financially stable exit options.
Read at Slate Magazine
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