AnotherStander, She may have altered her direct deposit so that the joint account is no repelnished with funds to cover the mortgage.
Ah, gotcha. Well you should definitely discuss it with her if that's the case! The problem with this is if she really did cut you off and refuses to resume payments then you may be in a situation where you have to push for D in order to get the finances in order. Is that what you were alluding to earlier? Perhaps in the first convo you should plan on discussing only the financials, if she refuses to resume payment then tell her you need some time to consider your options. Then you can decide if you need to push for D or not, and that can be a followup convo.