Question 14 of 75. Quentin and Samira jointly own their home when Quentin defaults on credit card debt. To determine if Quentin is insolvent, how will the home play into the calculation? The home is not considered since it is jointly owned. Quentin must use 100% of the home's value as an asset and 100% of its debt as a liability. Quentin must use 50% of the home's value as an asset and 50% of the home's debt as a liability. Quentin may transfer ownership of the home solely to Samira after the cancellation to exclude it from his insolvency calculation.