- Open: "I am not here to list your house. I am here to see if we can split one mortgage problem into a clean exit for both of you."
- Ask: who is on title, is the loan current, what does a fair split look like in 30 days.
- Do not triangulate. One written outline. Counsel for both if they want it.
- The enrolled packet has the 10-day drip, texts, voicemails, and objection guide.
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