Running into your ex is almost always awkward and stressful. David Snyder and Nancy Partridge deal with it nearly every day.
The Denver couple divorced after six years of marriage but have been forced to live together for months because they can't sell their place or afford to set up separate households in this slumping economy.
Snyder gets the master bedroom, while Partridge gets a smaller one. Snyder watches TV at one end of the house, Partridge at the other. The two split the grocery bill and kitchen duties. Sometimes they eat dinner together, sometimes apart. There are awkward silences, or worse.
"We've had tremendous arguments over things like who gets to park in the garage, but at this point, it's kind of settling down into a routine," said Partridge, 45, who works in public relations.
"It's the lesser of two evils. I think the financial stress of a foreclosure, which would probably also lead to a bankruptcy, would be worse."
With the recession and the collapse of the housing market, more and more couples who have broken up are continuing to live under the same roof, according to judges and divorce lawyers. Some are waiting for housing prices to rebound; some are trying to get back on their feet financially.
The phenomenon is being felt around the country but most keenly in areas hit harder by foreclosure, such as the Sun Belt.
When the real estate market was booming, couples would promptly sell their home, split the profit and go their separate ways.
These days, Florida Judge John C. Lenderman said, about a third of his cases involve homes that are in foreclosure or that a family is struggling to sell. Lenderman said he had never seen anything like it in 40 years as a lawyer and judge.
"They just can't do anything, financially," he said. "I've actually got a number of people, guys who are saying they're sleeping in their cars or pickup trucks, not paying their child support or anything. I've got some folks here who are down to flipping burgers."
Sometimes the financial implications of a divorce are so grim that a couple whose marriage is on the rocks decide to give it another try.
Kent Peterson, a longtime divorce mediator in Wayzata, Minn., said a young couple from the Minneapolis area were moving toward separation until they got a look at all the costs involved in getting divorced.
"The thinking was they need to work a little harder and stay together because of the changing asset picture," he said.
Linda Melville filed for divorce from John, her husband of 13 years, in August. Four months later, the estranged couple are still living on the same property in St. Petersburg, Fla.. She's in the main, two-story brick house, surrounded by mementos of their marriage; he's in a one-bedroom apartment about 75 feet back.
Linda was laid off from her job in October and said she couldn't afford to rent a place on her own. And so, while she looks for a job and tries to start the next chapter of her life, she remains in the home where the couple -- who had no children together -- celebrated holidays, put in a back deck and laid flagstone steps together outside the front door.
"Living as close as we do, it really makes it difficult to achieve closure," she said recently.
Despite the close quarters, the couple rarely cross paths. Linda said they hadn't spoken to each other for a month before meeting to discuss their divorce in late November.
"The only conversation that takes place is via the lawyers," she said. "Even negotiating a day to do laundry."
When the morning paper arrives, whoever reads it first sets it out for the other. John keeps up with the pool and lawn maintenance. Now that it gets dark earlier, his wife rarely even knows whether he has arrived home from work.
"We're respectful of each other," Linda said. "I don't go out of my way to violate his space. And I don't think he does."
Snyder and Partridge, the reluctant housemates in Denver, divorced last January. When the house failed to sell and Partridge ran out of money to pay for an apartment and her half of the mortgage, she moved back in with Snyder over the summer.
The childless couple bought their house, a two-story blue home with brick trim on a corner lot covered with cottonwoods, for just under $179,000 in 2001 and tried to sell it for just under $200,000. During the nine months it was on the market, two people looked at it and "laughed at the price," Snyder said.
The couple didn't want to lower the price and take a hit. The real estate agent eventually dropped them, and there is no longer a "for sale" sign out front.
Partridge is not getting a lot of support from her girlfriends. "They say, 'Oh no, let it go to foreclosure. Walk away. Don't do this,' " Partridge said. But "you have to take a breath and say they don't understand the full picture."
Snyder, who works in accounting, is catching grief from his family. "They say I could move on with life if she wasn't there," he said.
Neither one is dating again. "But I know it's going to be awkward when it comes up," Partridge said.
The two haven't really talked about how long they're going to stay in the same house.
"Not until we sell the house or until one of us wins the lottery and can buy the other one out," Partridge said. "Or until government gets their act together or the banks get their act together."