Manya Williams, Separation, Divorce, Life Decisions

Manya Williams, Separation, Divorce, Life Decisions Divorce Mortgage Specialist
Real Estate Problem-Solver
Certified ADR Divorce Coach
Speaker + CLE/CE Educator

You just helped your client sign a financial time bomb.Did you check the mortgage assumption clause?Most attorneys overl...
07/10/2025

You just helped your client sign a financial time bomb.
Did you check the mortgage assumption clause?

Most attorneys overlook this:
When one spouse assumes the mortgage,
the other often remains legally tied to the note.

They gave up the house—but not the debt.
They moved on—but their credit didn’t.
They’re stuck—unable to qualify for future financing.

A sample clause as below can assist in avoiding common settlement language pitfall:

As successor in interest and in accordance with Garn-St. Germain Depository Institutions Act of 1982, shall assume full legal and financial responsibility for all obligations associated with the existing mortgage on the Property, currently serviced by , or any future mortgage servicer to whom the loan may be assigned. Said obligations include but are not limited to, the full monthly mortgage payment, property taxes, homeowners' insurance, HOA dues, and all other related escrow items. shall also assume sole responsibility for the ongoing maintenance and upkeep of the Property, including any necessary repairs, improvements, or actions reasonably required to preserve the home's condition and maintain its current fair market value.

**This is not legal advice. Always review with qualified professional.

"I can’t keep doing this—it’s killing me."  "I can’t keep covering for them—it’s not my job to save them."  "I have to p...
01/20/2025

"I can’t keep doing this—it’s killing me."
"I can’t keep covering for them—it’s not my job to save them."
"I have to protect myself before there’s nothing left of me."
"I need to leave, or I’ll never find peace."

The addict will judge you.
They’ll say you gave up.
They’ll whisper that you abandoned them.

But here’s the truth:

You didn’t abandon them.
They abandoned themselves—and you in the process.

Choosing yourself isn’t cold.
It’s survival.

This is your reminder: You don’t have to light yourself on fire to keep someone else warm.

Your body listens.Your relationships listen.Your business listens.Your thoughts aren’t just words.They’re instructions.E...
01/15/2025

Your body listens.
Your relationships listen.
Your business listens.

Your thoughts aren’t just words.
They’re instructions.

Every "I’m not ready," "I’m not enough," or "I can’t" becomes a script.
For your actions—or inaction.
These scripts build walls.

Walls around your potential.
Walls around your progress.

But here’s the flip side:
Every "What’s the next best step?"
Every "What if I tried?"
Every "I’ve got this" is a key.

Keys open doors.
When you shift your language, you shift your reality.
Try it:
→ Instead of “I’m not ready,” ask, “What do I need to learn?”
→ Instead of “I’m not enough,” say, “I’m becoming more every day.”
→ Instead of “I can’t,” say, “How can I?”

Because what you tell yourself is what you become.
And what you become?
That’s the life you build.

The biggest battle most people face during a conflict?It’s not about the other person.It’s the fight within.The enemy is...
01/14/2025

The biggest battle most people face during a conflict?

It’s not about the other person.
It’s the fight within.

The enemy is the mind that clings, craves, and resists.

Think about it:
→ Wishing things were different.
→ Resisting the reality right in front of you.
→ Replaying moments you can’t undo.

This internal struggle steals more peace than anything external ever could.

So here’s the real question:
What if you stopped fighting yourself?
What if you chose acceptance over resistance?

Divorce is the last workplace taboo—and it’s costing businesses more than they think.We’ve seen workplaces evolve: 👉 Fer...
01/09/2025

Divorce is the last workplace taboo—and it’s costing businesses more than they think.
We’ve seen workplaces evolve:
👉 Fertility treatments.
👉 Mental health support.
👉 Menopause care.
But divorce? Still ignored.
Here’s the reality: Divorce grief shows up at work just like any other kind of grief. And when it’s ignored, businesses pay the price:
📉 Lower productivity.
⏱️ Lost hours to legal appointments.
💸 Employee turnover.
The data doesn’t lie. Employees navigating divorce often:
Struggle to focus.
Underperform.
Need support to get back on their feet.
So why is this still a taboo topic?
I get it—“It’s personal, not professional.”
But that mindset is outdated. Businesses that want to excel in the talent game have to understand: Employees bring their whole selves to work.
Forward-thinking companies are stepping up:
✅ Offering divorce-related legal services.
✅ Creating wellness plans to reduce the emotional toll.
Here’s why it matters now: Divorce filings surge every January—right after the holidays.
This isn’t just a nice-to-have; it’s a business strategy. Supporting employees during life’s hardest transitions builds loyalty, reduces turnover, and keeps teams performing.
So here’s the challenge:
💡 Leaders: Is your workplace prepared to support employees through this?
💬 Employees: Would you value divorce-related benefits?
The future of work is human. Let’s not leave anyone behind.
Drop your thoughts below—and share this if you agree it’s time to rethink workplace benefits.
What do you think? Does this match the sharp, actionable tone you’re looking for?

hashtag hashtag hashtag

She sat across from me, arms crossed, and said, “I think my marriage is over.”I cut her off: “No, it’s not over. It’s ju...
01/06/2025

She sat across from me, arms crossed, and said, “I think my marriage is over.”

I cut her off: “No, it’s not over. It’s just uncomfortable. And you’ve been avoiding the discomfort for years.”

Here’s the truth: menopause wasn’t breaking her marriage—it was shining a spotlight on all the cracks. For years, she’d been playing small in her own life. She focused on the kids, the career, the never-ending to-do list. Meanwhile, her relationship was running on autopilot.

Midlife isn’t a crisis. It’s a clarity machine. It forces you to see what’s broken so you can finally fix it—or move on.

You make a tiny mistake. Nothing major. And the first thing you do? Apologize.  - “Sorry about that.”  - “My bad.”  - “I...
01/04/2025

You make a tiny mistake. Nothing major. And the first thing you do? Apologize.

- “Sorry about that.”
- “My bad.”
- “I didn’t mean to…”

Here’s the problem: Constantly apologizing for *low-profile, unintentional errors* doesn’t just chip away at your self-confidence—it makes others lose confidence in you too.

I’m not saying don’t own up to mistakes. Accountability matters. But there’s a difference between taking responsibility and over-apologizing for things that barely matter.

Instead, try this:
- Address it without apologizing for existing.
- Focus on solutions, not self-blame.
- Save your apologies for the big stuff that truly deserves it.

Confidence isn’t about being perfect. It’s about how you handle the imperfect moments. Stop apologizing for every little thing. Start owning your presence.

What’s one thing you’ve stopped apologizing for? I want to hear it. 👇

The Divorce Diet.  Ever heard of it?🛑 Spoiler: It’s not healthy, and it’s definitely not sustainable.It’s that unintenti...
01/02/2025

The Divorce Diet. Ever heard of it?

🛑 Spoiler: It’s not healthy, and it’s definitely not sustainable.

It’s that unintentional weight loss caused by stress, sleepless nights, and forgetting to eat while dealing with the whirlwind of emotions.

Here’s the reality:

* Chronic stress can shut down your appetite entirely.
* Your body starts burning muscle instead of fat.
* Nutritional deficiencies can wreak havoc on your brain and body.

But here’s the good news: You can take control.�This isn’t about perfection—it’s about survival and self-care during one of the hardest moments of your life.

Here are 7 ways to prioritize your health during divorce:�

1️⃣ Keep healthy, grab-and-go snacks at arm’s reach �
2️⃣ Get moving—especially in the morning when the sun rises, walk, walk, walk—it’s about releasing those stress-busting endorphins.�
3️⃣ Talk about it less the more you talk about what is happening the more weight it holds in your social circle.�
4️⃣ Meditate. Even 5 minutes can help you shift perspective.�
5️⃣ Block out toxic social media—comparison is a thief, especially now.�
6️⃣ Seek professional help: A therapist or coach can guide you.�
7️⃣ Eat. Even if it’s just small bites. Fuel your brain and body to stay strong.

Divorce will test you—but it doesn’t have to take your health with it.

Last week, I learned a lesson I didn’t expect—from corporate jargon of all things.  You know the type: “We need to syner...
12/30/2024

Last week, I learned a lesson I didn’t expect—from corporate jargon of all things.

You know the type: “We need to synergize our approach” or “Let’s take this offline.” I used to roll my eyes every time I heard it. It felt sterile and disconnected. But then, something happened.

I found myself in a tense conversation. Emotions were high, stakes even higher, and I didn’t want things to escalate. So, instinctively, I turned to the corporate-speak I’d spent years poking fun at.

Instead of saying, “You’re wrong,” I said, “I'm willing to consider your option”

Instead of snapping, “That’s not going to work,” I calmly said, “Let’s explore alternative pathways.”

And just like that, the tension dissolved. Everyone refocused on the actual interests rather than the position.

It hit me: The very language I used to mock helped me navigate one of the toughest conversations I’ve had all year.

Communication isn’t about sounding impressive—it’s about being effective. And sometimes, the tools you need are hiding in plain sight.

Emotional Intelligence (EI) is more than corporate fluff.  When there is mastery over EI there your ability to navigate ...
08/06/2024

Emotional Intelligence (EI) is more than corporate fluff. When there is mastery over EI there your ability to navigate complex conflict and obtain strategic solutions is on autopilot vs emotional reactivity on autopilot.
Mastering EI can turn heated arguments into productive discussions and change the game in conflict resolution.

Ever walk into a room and forget why you’re there? That’s what the magic dark feels like. A season of life where old ver...
03/11/2024

Ever walk into a room and forget why you’re there? That’s what the magic dark feels like. A season of life where old version and new version are in opposition. Not a time to get stuck in getting your ducks in a row but rather instead a time to Embrace the privilege of the transformation.

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Healing is a way of being seen, understood and connected with. There is a natural harmony of being that lives in each of us. Small choices made consistently and over time will dramatically affect your health for the long run. This is the central belief of Ayurveda, a 5,000 year old holistic science. Ayur meaning science and Veda meaning life. Combined Ayurveda is the science of living.

Vastu, which literally means ‘energy’ in Sanskrit is so important in arranging how where we live is utilized in a way that support our ability to thrive. Many have compared Vastu to Feng Shui. Vastu began thousands of years prior to Feng Shui, and Feng Shui actually has its origins in Vastu. It is also an amazing blend of science, art, astronomy and astrology.

Good Vastu in your home affects finances, relationships, health, friendships, and ability to experience optimal health, wellbeing and prosperity.