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[Music] and were live hi friends welcome to my divorce real estate were back im amber gifford and this is my husband and teammate give her what are we talking about today so today we thought wed talk about some of the scary stories that we see over and over again and really why we got into doing this why you know we wanted to help people and help couples going through divorce and we want to help them make informed decisions but the reason we do this is because we just see so many times over and over again where a spouses damaged credit is being you know their credits being ruined by situations where that could have been resolved if they had had the right information and been connected exactly its about the right information and communicating what is going on because you dont know what you dont know right so we recently had a client last year who um we provided a cma for the value of their home and they were working towards the process of their divorce and im guessing like fou