Our advice columnists have heard it all over the years—so we’re diving into the Pay Dirt archives to share classic letters with our readers. Submit your own questions about money here . (It’s anonymous!)

Dear Pay Dirt,

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, and we don’t have kids, so I feel like mediation would be a more affordable way to go than counseling.

The condo is not in a position to sell right now. I could afford to take on the monthly mortgage and

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