If one spouse stops making mortgage payments during the divorce, it can have serious consequences for both parties:

1. Late fees and penalties: The lender may charge late fees and penalties, adding to the outstanding debt.

2. Negative credit impact: Missed payments will negatively affect both spouses' credit scores, making it harder to qualify for future loans and credit.

3. Foreclosure: The lender may initiate foreclosure proceedings, potentially leading to the loss of the property.

4. Joint liability: Both spouses are still legally responsible for the mortgage debt, even if one spouse is not making payments.

5. Legal action: The other spouse may take legal action to enforce the divorce agreement or seek compensation for any losses incurred due to the missed payments.

6. Damage to credit profile: A foreclosure or missed payments can significantly lower credit scores, affecting future financial opportunities.

7. Potential tax implications: Foreclosure or debt forgiveness may result in tax liabilities for both spouses.

To avoid these consequences, it's essential to:

1. Communicate with the lender and each other.

2. Negotiate a temporary payment arrangement or modification.

3. Consider refinancing or assuming the loan individually.

4. Seek legal advice and mediation if necessary.

5. Prioritize making mortgage payments during the divorce process.

Remember, stopping mortgage payments can have long-lasting financial and legal repercussions for both spouses.