My husband owns a 50% share in a Real Estate Agents office which is operating successfully and has done so for over 6 years now. He is telling me that the business is worth next to nothing because it carries debts which are secured by the rent roll. However, if he were to sell it, the value of his share the business would be around $500K. There is also a sales department which earns approximately $110K per month, office commission. However, he plans not to sell but continue to operate and draw his annual $180K salary package plus sales commission (I have no way of knowing what this figure is, since it is held in an account in the business name and he draws down and pays tax on it when he needs it). My question is - does it matter what the debts against the business are or is the assessment based on the value of the asset? Funds are tight for me, so I will struggle with big legal bills. Any advice would help enormously.