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In the Great Recession, breaking up is hard to do. With housing values depressed and jobs disappearing, divorce has become a luxury beyond the reach of some couples.

There is often not enough money to pay for separate households or to hire lawyers, fight over children and go to court.

What has always been painful is now desperate and confounding, with a growing number of couples deciding to wait out the economic storm while others take new approaches — such as living together as they separate.

“I have lots of files sitting in the drawer, where people can’t move forward,” says David Goldberg, a divorce lawyer and mediator in Gaithersburg. He has been working in family law for 44 years and says he has never seen a time like this one.

Lately, he said, “I have a lot of clients who have ended up in bankruptcy.”

The difficulties of divorce in the downturn are familiar to Paulene Foster, a 42-year-old federal worker from Olney, who says her precarious finances forced her to wait a year. If that wasn’t enough, she also shared a house with her estranged husband — him in the basement, her upstairs. Strapped months went by as the couple were saddled with a suburban townhouse that would not sell.