When determining if Quentin is insolvent after defaulting on credit card debt, the ownership of the home and its impact on the calculation depends on the specific laws and regulations of the jurisdiction in which Quentin resides. It's important to note that I am an AI language model and cannot provide legal advice. However, I can provide some general information:
In many jurisdictions, when a home is jointly owned, each owner's share of the home's value and debt is considered in the insolvency calculation. This means that Quentin would typically need to include only his portion of the home's value as an asset and his portion of the home's debt as a liability.
For example, if Quentin and Samira each own 50% of the home, Quentin would typically include 50% of the home's value as his asset and 50% of the home's debt as his liability when calculating insolvency.
It is important to consult with a legal professional or financial advisor who is knowledgeable about the specific laws and regulations in Quentin's jurisdiction to understand how the home ownership would impact the insolvency calculation in his specific situation. They can provide accurate guidance based on the applicable laws and circumstances.