Joni separated from her husband, Jim, many years ago. She and the children stayed in the family home and Joni has paid the mortgage alone. She didn’t get a property settlement to finalise details and has only occasionally heard from Jim over the years. Before the separation Jim’s business was struggling and he was gambling heavily. Joni recently received a letter saying Jim was bankrupt and his share of the home was to be used to pay his debts. Financial Rights gave Joni advice about her rights and what steps she should take to protect her finances.