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Cindy Wysocki

When Divorce and Death Intersect: A Lawyer’s View from the Fault Line

July 15, 2025 By Cindy Wysocki

In my legal practice, I live at the crossroads of divorce and death. It’s not as grim as it sounds—though it can be heartbreaking. It’s also poignant, tender, and full of surprising grace. These two life events—often treated as endpoints—have a way of weaving back into each other, especially when families, memories, and legacies are involved.

Divorce is often described as the death of a marriage. But that metaphor falls short. Marriages may end, but the relational threads—especially where children and shared history are involved—don’t always sever neatly. Sometimes, they remain tangled in ways that are both inconvenient and profoundly human.

Here are three true-to-life stories from the edge, were death and divorce overlap in unexpected ways. (Details have been changed to protect client confidentiality.)

1. The Unprepared Parent and the Surprising Grace of an Ex

After a long and difficult marriage, Mark and Lisa divorced in their late fifties. Their two adult children, now in their thirties, had long given up hoping their parents would get along. Mark had largely withdrawn from the family after the divorce, and although he remained present at holidays and big events, he never made peace with the past

When Mark died unexpectedly, the children were devastated—and completely unprepared. So was his estate. No will. No trust. No funeral instructions. Not even a password list.

And then something surprising happened: Lisa stepped in.

Despite decades of conflict and distance, Lisa quietly took charge of the memorial planning, helped the kids notify family and friends, and sat with them through the process of closing accounts, selling Mark’s home, and settling the estate. She didn’t overstep; she just helped.

From a legal standpoint, she had no standing. But from a human standpoint, she had something more powerful: a shared history, deep knowledge of the man her children were grieving, and enough emotional distance to support them when they needed it most.

I sometimes wonder what Mark would have thought, watching her at his memorial service. He might have been surprised. But not, perhaps, disapproving.

2. The Ex-Husband Who Grieved—and Inherited

After a painful divorce, Karen rebuilt her life. She lived with her partner, Diane, for nearly a decade. Her adult children never fully accepted the relationship and stayed emotionally distant from both women.

When Karen died of a sudden illness, her ex-husband, John, was unexpectedly drawn back into the family’s orbit. He had never stopped loving her—something he rarely admitted aloud—but their marriage had not survived.

Despite the passage of time, John stepped in to support their children through the shock and sadness. He took charge of the funeral arrangements when no one else was able to. He helped their oldest daughter navigate probate.

And here’s where things got complicated: Karen had never updated her beneficiary designations. Her life insurance, retirement accounts, and transfer-on-death accounts all still listed John as the beneficiary.

From a legal perspective, it was clear: John inherited. From an emotional perspective, it felt messier. Diane was devastated. The children were conflicted. But John honored Karen’s memory in quiet, grounded ways—helping fund the grand-kids’ education and supporting the children emotionally through their grief.

This story is a reminder that estate planning after divorce matters, yes—but also that the human experience doesn’t always follow clean legal lines.

3. The Power of Knowing Someone—Even After It Ends

I once drafted an estate plan for a man named Bob, who had no siblings, was estranged from his parents, and had no close friends he trusted. He did, however, have an ex-wife: Julie.

Julie knew how Bob’s mind worked. She could advocate for him, explain his values, and predict how he’d want things handled if he couldn’t speak for himself. So, he named her his power of attorney.

He also left a trust for her benefit during her life, which would then pass to their children. “She’ll take care of the kids,” he told me. “She always does.”

When Julie read the documents after Bob’s death, she cried. “We weren’t good together, but we weren’t nothing,” she said.

Divorce had changed their relationship. It didn’t erase it.

What These Stories Teach Us

These are not just legal stories—they’re stories about love, loss, history, and the blurry boundaries that persist even after we think we’ve made a clean break.

  • As a lawyer who works at this intersection, I’ve learned:
  • Divorce doesn’t erase a relationship—it just changes it.
  • Estate planning must account for the emotional realities of a person’s life, not just the legal ones.
  • The people who know you best may not always be the ones you’re currently closest to.
  • Planning for death, especially after divorce, is an act of kindness to your children.

If you’ve been divorced, remarried, or simply drifted apart from the people in your past, I urge you: revisit your estate plan. And if you’re in the middle of a divorce, handle it with as much care and respect as you can muster. Not just for the sake of closure, but because your story with this person may not be as over as you think.

Filed Under: Blog Tagged With: Collaborative Divorce

Navigating Mortgages During Divorce with Collaborative Family Law

December 9, 2024 By Cindy Wysocki

Divorce is undoubtedly one of the most challenging life transitions one can go through. Amidst the emotional turmoil, there are practical considerations that must be addressed, particularly when it comes to shared assets like a family home. Mortgages, often intertwined with home-ownership, present a complex web of financial implications during divorce proceedings. Here’s a breakdown of what you need to know:

1. Consult a Mortgage Expert Before Finalizing Your Divorce

Two employees working together on financial documents with laptops and calculators in an office setting.

Before signing any divorce agreement, consulting with a mortgage expert is crucial. Their insights can help you navigate the complexities of mortgage assumptions, budgeting, and the implications of keeping or selling the family home. In collaborative family law, involving a mortgage expert early on can streamline discussions and ensure that financial arrangements are fair and informed.

2. Budgeting and Affordability

Understanding your budget is paramount. What can you comfortably afford post-divorce? Factor in mortgage payments, taxes, insurance, and any potential maintenance costs. A mortgage expert can help you assess your financial situation realistically. Collaborative family law emphasizes working together to create a budget that reflects both parties’ needs and capabilities.

3. Assessing the Family Home

If you’re considering keeping the family home, a thorough inspection is essential. Identify any impending repairs or maintenance issues and estimate their costs. This information will be invaluable when making decisions about the property’s future. Collaborative family law encourages transparent communication about property conditions and financial implications, helping both parties make informed decisions.

4. Mortgage Assumptions: Assumptions vs. Reality

There’s a common misconception about mortgage assumptions. While some loans allow for qualified assumptions, most require a simple assumption, where the departing spouse remains on the mortgage. This can have implications for accessing equity and may necessitate careful financial planning. Collaborative family law involves working together to clarify these issues and find mutually agreeable solutions.

5. Impact on Credit and Ownership

Understanding the distinction between being on the mortgage and being on the title of a property is crucial. Late or missed mortgage payments by the staying spouse can adversely affect the departing spouse’s credit. Establishing clear communication and accountability mechanisms, as encouraged in collaborative family law, can help mitigate this risk.

6. Equitable Asset Division

In divorce proceedings, assets must be divided fairly. Consider factors such as net value, tax implications, and liquidity when comparing assets. Ensuring an equitable division requires a thorough understanding of each asset’s true value. Collaborative family law focuses on fair asset division through cooperative discussions and expert input, ensuring that both parties’ interests are considered.

7. Mortgage Misconceptions

Dispelling common mortgage myths is essential. Contrary to popular belief, you don’t need a job or a 20% down payment to secure a mortgage post-divorce. Additionally, being “shackled” to a low-interest rate mortgage loan isn’t always advantageous, as there are options available to explore. Collaborative family law supports addressing these misconceptions through open dialogue and expert advice.

8. Support Income Considerations

Support income, whether received or paid, plays a significant role in mortgage eligibility. Properly documenting support payments in divorce agreements can impact income calculations and tax deductions, offering financial flexibility to both parties. Collaborative family law helps ensure that support income is accurately reflected and fairly considered in financial arrangements.

In Conclusion

Navigating mortgages during divorce requires careful planning, clear communication, and expert guidance. By understanding your financial obligations, exploring available options, and prioritizing equitable asset division, you can achieve a smoother transition to post-divorce homeownership. Collaborative family law offers a supportive framework for addressing these issues together, ensuring that both parties can make informed decisions during this challenging time.  For more insights, listen to episode 115 of Meg Gluckman’s (coach and CPW Member) podcast “Welcome to the Other Side” with guest Mihaella Bayla (CDLP and CPW Member)  titled “What You Need to Know About Mortgages and Divorce.”

Cindy Wysocki is CPW member and Collaborative Attorney, based in Pierce County, who uses estate planning and collaborative family law to proactively help families peacefully navigate change.

Filed Under: Blog Tagged With: Collaborative Law, Mortgages

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