Distributive Award
Ultimately, the trial court determined that the property should be divided equally, and that, to accomplish this result, plaintiff must pay defendant a distributive award of $824,294. The court noted that both parties are in their mid-seventies, that neither party was employed at the time, that defendant would not be able to obtain employment because of his physical condition, and that "[n]either party has any liquid marital property left." The court further found that due to a number of factors, "[t]here was no choice but to distribute all the debts to Defendant/Husband ... which results in a heavy burden he may never be able to pay before his death and a distributive award owed by Plaintiff/Wife that she may never be able to pay before her death."
Noting that plaintiff lacks the means and ability to pay the $824,294 distributive award in full, the trial court stated in pertinent part:
198.... The Court finds [plaintiff] has the ability to pay the distributive award only as follows:
....
*251b) 145 Myer's Mill & 14212 Stewart's Bend: Plaintiff/Wife shall be entitled to keep 14512 Myer's Mill so that she may continue to reside there. Plaintiff/Wife will sell 14212 Stewart's Bend and pay the net proceeds to Defendant/Husband.
c) 14228 Stewart's Bend: Plaintiff/Wife can obtain a deed to this house back from Mr. Kirby, sell the property and distribute the net proceeds to Defendant/Husband **366or she can have Mr. Kirby pay to Defendant/Husband $90,000 which represents the majority of equity he gained during the fraudulent "gift/transfer" to him of this property.
In the distributive portion of the order, the trial court ordered plaintiff to do as follows:
b) ... 14212 Stewart's Bend: Within thirty (30) days of the date of the execution of this Judgment/Order Plaintiff/Wife shall sign a listing agreement with a realtor selected by Defendant/Husband and will take all efforts to sell 14212 Stewart's Bend for fair market value. Plaintiff/Wife will cooperate with price reductions and repair requests recommended by the real estate agent and will accept any unconditional offer made within 2% of the then asking price. All of the net proceeds shall be paid to Defendant/Husband.
c) 14228 Stewart's Bend: Within sixty (60) days of the date of the execution of this Judgment/Order Plaintiff/Wife shall sign a listing agreement with a realtor selected by Defendant/Husband and will take all efforts to sell this home for fair market value; OR Mr. Kirby will pay to Defendant/Husband $90,000 which represents the majority of the equity he gained during the fraudulent "gift/transfer" to him of this property.
Plaintiff appealed.
In a partially divided decision filed on 2 January 2018, the Court of Appeals affirmed in part and vacated in part the trial court's equitable distribution judgment and order. Crowell , 809 S.E.2d 325. In relevant part, the majority upheld the portion of the order directing plaintiff to sell the Stewart's Bend Properties. Id. at 331, 339. It determined that
where the trial court was properly considering-not distributing-plaintiff's separate property in distributing the marital estate, specifically considering plaintiff's ability to pay a distributive award to defendant, the trial court did not abuse its discretion in ordering plaintiff to liquidate separate property in order to pay the distributive award.
Id. at 339. On this basis, the majority also concluded that neither CKE nor Kirby was a necessary party to the action in order for the trial court to order plaintiff to take action affecting title to the Stewart's Bend Properties, notwithstanding any respective ownership interests in those **367properties they may possess. Id. at 333-334. As to the alternate $90,000 amount that Kirby was ordered, in the alternative, to pay, the panel unanimously concluded that the trial court lacked jurisdiction to require Kirby to pay funds to defendant where he was not a party to the action, and struck that portion of the order. Id. at 334.
In a separate opinion concurring in part and dissenting in part, Judge Murphy dissented from the majority's determinations that CKE was not a necessary party and that Kirby was not a necessary party except as to the alternative money judgment against him. Id. at 339 (Murphy, J., concurring in part and dissenting in part). The dissent disagreed with the majority's determination that "the trial court ... merely considered the separate [Stewart's Bend Properties] in distributing the marital estate." Id. at 340. Rather, the dissent concluded that "[i]nstead of considering the separate property, the trial court improperly restricted the abilities and rights of CKE," which "must list the property at 14212 Stewart's Bend and pay proceeds to [d]efendant," and "Kirby, [who] must transfer title of 14228 Stewart's Bend to [p]laintiff" to be sold. Id. Thus, as the dissenting judge reasoned, the trial court improperly "entered an equitable distribution judgment and order affecting the rights and interests of parties not joined in the action." Id.3 In sum, the dissent concluded that "CKE
*252and Kirby are necessary parties to this action, and the trial court lacked the power to require their action or affect their rights without first being joined as parties." Id .
Plaintiff appealed as of right based upon the dissenting opinion. She also sought discretionary review of additional issues, which this Court granted in part on 20 September 2018.
II. Discussion
Plaintiff contends that the Court of Appeals erred by sanctioning the trial court's distribution of her separate property contrary to North Carolina law. This is a question of statutory interpretation, and where questions of statutory interpretation exist, this Court reviews them de novo. In re Foreclosure of Vogler Realty, Inc. , 365 N.C. 389, 392, 722 S.E.2d 459, 462 (2012). We agree with plaintiff.
In equitable distribution actions, Section 50-20 of the North Carolina General Statutes authorizes trial courts to distribute marital **368and divisible property between divorcing parties. See N.C.G.S. § 50-20(a) (2017) ("Upon application of a party, the court shall determine what is the marital property and divisible property and shall provide for an equitable distribution of the marital property and divisible property between the parties in accordance with the provisions of this section."). "Marital property" is "all real and personal property acquired by either spouse or both spouses during the course of the marriage and before the date of separation of the parties, and presently owned." N.C.G.S. § 50-20(b). "Separate Property" constitutes "all real and personal property acquired by a spouse before marriage." Id.
"Following classification, property classified as marital is distributed by the trial court, while separate property remains unaffected." McLean v. McLean , 323 N.C. 543, 545, 374 S.E.2d. 376, 378 (1988) (citing Hagler v. Hagler , 319 N.C. 287, 289, 354 S.E.2d 228, 232 (1987) ). "Pursuant to the Equitable Distribution Act, the trial court is only permitted to distribute marital and divisible property." Mugno v. Mugno , 205 N.C. App. 273, 277, 695 S.E.2d. 495, 498 (2010) citing N.C.G.S. § 50-20(a) ; Hagler , 319 N.C. at 289, 354 S.E.2d. at 232. Separate property may not be distributed. See Clark v. Dyer , 236 N.C. App. 9, 21, 762 S.E.2d 838, 844 (2014) (observing that the trial court correctly declined to distribute real property it considered to be separate property "since the trial court cannot distribute separate property."). Here, the trial court found, and the parties stipulated, that both the Stewart's Bend Properties were plaintiff's separate property.
The issue is whether the trial court distributed separate property for purposes of Section 50-20 when it ordered plaintiff to liquidate her separate property to pay a distributive award. We hold that it did. We further conclude that there is no distinction to be made between "considering" and "distributing" a party's separate property in making a distribution of marital property or debt where the effect of the resulting order is to divest a party of property rights she acquired before marriage.
As an initial matter, the idea that the trial court may "consider" a spouse's separate property in making a distribution of the marital property appears to have originated in Miller v. Miller , 97 N.C. App. 77, 80, 387 S.E.2d 181, 184 (1990). There, the Court of Appeals held that a spouse who failed to support his claim that certain debt was marital did not meet his burden to "present evidence from which the trial court can classify, value and distribute the property" because
[t]he requirements that the trial court (1) classify and value all property of the parties, both separate and marital, (2) consider the separate property in making a distribution of **369the marital property , and (3) distribute the marital property, necessarily exist only when evidence is presented to the trial court which supports the claimed classification, valuation and distribution.
Id. at 80, 387 S.E.2d at 184 (emphasis added). While this language has been frequently quoted by the Court of Appeals, until the *253present case, it has been in the context of the type of issue presented in Miller -a failure of one party to present evidence of the proper classification of property as marital, divisible, or separate.4 See, e.g. , Cushman v. Cushman , 244 N.C. App. 555, 566, 781 S.E.2d 499, 506 (2016) ; Young v. Gum , 185 N.C. App. 642, 649 S.E.2d 469 (2007).
N.C.G.S. § 50-20 provides that the trial court making an equitable distribution will consider separate property in one context only: the trial court must consider "[a]ny direct contribution to an increase in value of separate property which occurs during the course of the marriage." N.C.G.S. § 50-20(c)(8). Thus, a party who, during the marriage, causes an increase in value in her spouse's separate property can receive some credit for that increase in value during the equitable distribution proceeding. See Turner v. Turner , 64 N.C. App. 342, 346, 307 S.E.2d 407, 409 (1983) ("If ... an equity in [separate] property developed during the marriage because of improvements or payments contributed to by defendant, that equity (as distinguished from a mere increase in value of separate property, excluded by the statute) could be marital property, in our opinion, upon appropriate, supportable findings being made. And if not marital property, such equity, if it developed, would be a factor requiring consideration by the court, along with the other factors specified in the statute, before determining how much of the marital property each party is entitled to receive ." (emphasis added)).
Here, the trial court's "consideration" of plaintiff's separate property did not occur in the context of whether defendant contributed to an increase in the property's value or determining the amount of marital property and debt that should be distributed to each party. Instead, the trial court ordered plaintiff to use specific items of separate property to satisfy marital debt, immediately affecting her rights in that property. As a result, to ascertain the legality of this order, we must further determine **370whether a court's distributive award may reach separate property in this way.
To resolve the issue, we consider the plain language of the equitable distribution statute and, to the extent there is any ambiguity, its apparent purpose. Diaz v. Div. of Soc. Servs. & Div. of Med. Assistance , N.C. Dep't of Health & Human Servs ., 360 N.C. 384, 386-87, 628 S.E.2d 1, 3 (2006). Section 50-20(a) states that the trial court "shall provide for an equitable distribution of the marital property and divisible property between the parties in accordance with the provisions of this section." Regarding distributive awards, subsection (e) of the statute provides that, where the presumption in favor of in-kind distribution is rebutted,
the court in lieu of in-kind distribution shall provide for a distributive award in order to achieve equity between the parties. The court may provide for a distributive award to facilitate, effectuate or supplement a distribution of marital or divisible property. The court may provide that any distributive award payable over a period of time be secured by a lien on specific property.
N.C.G.S. § 50-20(e). While we note that the text of this subsection does not exclude the requiring the use of separate property to satisfy a distributive award, it does not explicitly allow such a use either. However, an intent to avoid directly affecting a party's rights in separate property can be inferred from the text of section 50-20, which provides only for "distribution of the marital property and divisible property between the parties." N.C.G.S. § 50-20(a) (emphasis added). Our courts cannot "delete words used" or "insert words not used" in a statute. Lunsford v. Mills , 367 N.C. 618, 623, 766 S.E.2d 297, 301 (2014). In light of the fact that the rest of the equitable distribution statute allows for the distribution of only marital and divisible property, it is inconsistent to read into this subsection the authority for the trial court to order the use of separate property to satisfy *254a distributive award, and we decline to do so today.
As this Court has long observed, only marital property is to be distributed and separate property is to "remain[ ] unaffected ." McLean , 323 N.C. at 545, 374 S.E.2d. at 378 (emphasis added). Therefore, we conclude that trial courts are not permitted to disturb rights in separate property in making equitable distribution award orders. Here, the trial court ordered plaintiff to liquidate the Stewart's Bend Properties "to pay down the distributive award." Because this component of the trial court's order unquestionably disturbed plaintiff's rights in her separate **371property, the trial court's actions amounted to an impermissible distribution of that property. The Court of Appeals' determination to the contrary is overruled.
We acknowledge that where a marriage is in debt, it is difficult to envision a scenario in which the making of a distributive award will not affect a party's separate property in some manner. Nevertheless, within the confines of N.C.G.S. § 50-20, the trial court in this case was only permitted to use that debt in calculating the amount of the distributive award, not to dictate how the debt was to be paid.5 Accordingly, we reverse the Court of Appeals' holding that the trial court did not err by issuing a distributive award ordering plaintiff to liquidate the Stewart's Bend Properties, and we remand for further proceedings.
Plaintiff further argues, based upon the Court of Appeals' dissenting opinion, that the trial court could not exercise jurisdiction over CKE and Kirby when they were not joined as parties in the equitable distribution action. The parties stipulated and the trial court found that the Stewart's Bend Properties were plaintiff's separate property on the date of separation. In light of our holding that the trial court lacked statutory authority to order disposition of plaintiff's separate property, it is not necessary to reach this issue.
In sum, we hold: (1) the Court of Appeals erred in upholding the trial court's order directing plaintiff to liquidate her separate property to pay down the distributive award because it effectively distributed her separate property and (2) discretionary review of whether N.C.G.S. § 50-20 grants corporations standing to seek reimbursement for debts was improvidently allowed.
Accordingly, we reverse the holding of the Court of Appeals and remand for further proceedings consistent with this opinion.
REVERSED AND REMANDED IN PART; DISCRETIONARY REVIEW IMPROVIDENTLY ALLOWED IN PART.