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I was happy to see that the house she owned in Desert Hot Springs with her new husband has also foreclosed recently.

Anyway let the house go and wait for the next twist without that strain. Amazingly my ex wife and house are also in AZ and, you are right, it is about revenge, hatred and money.

Anyone can understand a hardship situation and I was willing to help so we started a process to try and refinance, here is what happened: 0. She instalment loan tells me she is going to Re-Fi and I ask for a fixed 30-year loan because things cannot go that bad credit loan calculator way forever and we needed to protect ourselves.

She tells me to shove the crystal ball and that variable is better payment small loans bad credit and we proceed to fight for months (4) I finally caved. She also pushes me to buy more investment properties, I tell her it is reckless to get into this kind of debt and I say no, final answer.

She complains, I proceed to remind her of the crystal ball and crow at the fact that I was right. Here is when things start going south on the industry. After a while no payment is made and I have to step in. My credit is now showing 2 late payments and a collections from a leased vehicle that she returned and did not pay so I cannot get the same offer again but the offer from CW is still open. I told her to stop doing drugs even the supreme court would be confused. She claims he has not paid rent and that he vanished. I had to now make the full payments and the house was 15 days away from foreclosure procedures.

He just says one day they will see her for what she is...... I am not sure if this is possible but I am hearing this more and more. I have already successfully managed to get the loan modified by Ocwen in a incredible process that was as loans no credit check painful as most of you already know. From the customer service calls in India to the losing of docs to redoing everything twice to the cursory denial to the please help begging sessions to the modification that was more a joke than anything else. As far as I know that home is not upside down yet so it should not be a short sale, is a buy back the same as a deed in lieu of? The ex has qualified for a loan modification but it payday loans phenix city al has to have my signature to go through.

There was never an actual date in which the ex had to refinance and have the house out of my name. I have spoken with my attorney on this matter and he has stated that we can file a contempt of court for the mortgage.

The ex has decided to wait until the online credit stores last moment to spring this on me. I suppose in hopes that he will bait or bully me into signing to cover his ass. However, I cannot afford to bail him out and have him in this same situation before he is able to refinance in 12 to 15 months. So, if you can share what has happened to you that would be GREAT. I have exactly 3 days to make the decision on what to do.


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My story is similar to yours except lender loans the tables are turned.

My Ex decided to bail out of the marriage, and he depleted my credit cards. Since I have three kids I started my quest to save my home going on almost 2 years.

I told BOFA I was divorced they asked for a Divorce Decree,Quit Claim Deed, Income etc. But when I opened the Remodification it had both our names on it! I thought it was a mistake being that BOFA asked for the the Documents. I just got promoted at work, so I am able to make the Trial amounts and if that payment becomes Perm. I told my Ex if I lose the house my kids will have to live with him. He answered If the bank leaves the house at the mod. He has no legal claim to the property not responsible for taxes nothing but the Mortgage. I have done well to get my credit back to good standing on my own only to have the exhusband decide not to pay the mortgage payments on a house he was awarded at the divorce hearing.

Being that I have never needed a lawyer for anything in my life I had no idea that there were certain things that needed to follow the award of the house.

I wonder if I can force him into selling the house by saving his ass on a foreclosure and sign the modification paperwork? I can sign the paperwork, bail the ex out and hope to hell that he pays every month, on time and that a bank will pick him up in 12 months to refinance in his name. Either sign and pray he doesnt default or let it go into foreclosure.

Will his credit be good in 12 months that he will be able to Refinance? If you sign and he gets the modification and is having trouble paying.

Can he just rent out the loan preapproval house and have it pay itself. After speaking with my attorney I am convinced that it would be a HUGE mistake to sign the bad credit loan calculator Loan Modification Agreement with the ex-spouse. As it stands the judge awarded the house and all responsibilities of payment to the ex. This is a very easy position to be placed in while going through a divorce.

You get legally positioned this way since all you want is out of paying expensive attorney fees. The responsible party can end up getting billed more (i. In the event of a job loss, all I can do is rack up more debt paying court appointed Spousal support and Child payday loans no credit check no fees support payments. With attorney fees involved, there is no way to out to get legal help. Family divorce decrees do nothing but state the other party ATTEMPTS to do something.

Enforcing it that action, or making it happening are two different things. We married at 21 and I worked hard and became a business owner at age 24. This allowed me to support him while he worked part-time jobs as a youth pastor with short spurts of side jobs to help support. Then I paid his way through seminary where he earned his masters in divinity then we moved to WA where he had his first full time ministry job (10 yrs into marriage).


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I never complained about any of this in our marriage as I fully supported and actively helped in his ministry. I brought him in to my business as a sales rep and we made very good money which paid for all my medical and put a nice nest egg in savings.

He then talked me into opening my own retail business and (shocker) he shortly quit the high paying job (which we had agreed he would keep) and forced his way into my business. Year and half later economy tanks along with my health while he goes overboard in business spending money that it not there. He then talks me into bankruptcy while my health hits rock bottom and docs are scratching their heads. Gets job with Navy Exchange running furniture store using all my experience as his own on is resume then promptly gets a mistress from work which I find out 2 weeks before my brain surgery. His new job moves us to other side of state so we rent house out, which pays mortage and part of bad credit loan calculator interest only line of credit. Following surgery he leaves me penniless and disabled, first time in my life I am unable to work. He stops paying ALL bills: current rent, 2 cars, utilities and uses rental income to fund affair. Two years later I have kept up with payments, being as unsecured loans online much as two month late when house sat empty, but catching up using my disability. He promised to help pay it down since the money was not used on any home improvements but when I remind him of that he says too bad-not in divorce. I am now looking into foreclosure process because I cannot afford to bleed myself dry but both our names are still on mortgage and mortgage line of credit. Divorce gives no deadline for me to refinance, but no being able to work and with the bankruptcy my credit is tanked. We had 3 kids together and their primary residence is with my ex in the home we formerly occupied together. My ex and I took out the loan together 10 years ago. For this part, if I could go back in time: I would definitely have spent several thousand dollars for counsel. The Wife shall have full and exclusive possession of the property and shall use it as a primary residence for herself and the minor children. Both parties acknowledge that their joint and several financial liabilities to the current mortgagee will remain in full force and effect until such time as a refinance or sale can be undertaken. The Wife will be responsible for the mortgage, taxes, insurance and other maintenance costs of the property and any equity resulting from a refinance or sale of the property shall become the exclusive property of the wife. The Husband hereby agree to execute and transfer any documentation necessary to effectuate the aforementioned refinance or sale and to participate in a timely and unconditional manner to complete same.

It should be noted that the timing of these intentions will be affected by income and market forces not currently known. I thought the agreement above was very clear in that it required her to refinance and take my name off.

She also assured me this was what she was going to use it for.

I think too) and then proceeded to miss payments for 5 months straight in order to qualify for the loan modification (at least this is my understanding). Well: yep: found out the hard way this is what the quit claim deed allowed. I left court that day quit unsettled about what was going to happen. This is the final link in the heavy, most onerous of chains to this horrendously , ghoulish, hauntingly creepy and dishonest manipulative, narcissistic scumbag of an ex. I am finding out a lot about the problems with my situation: there is a lot of information available about what the problem s are in my situation. I can easily put together documentation that demonstrates that she did no fulfill her part of the agreement to pay the mortgage in the last 2 years. My credit score was destroyed: it bad credit loan calculator was down to like 519 at one point. Plus: the divorce agreement requires that she does refinance at some point but when?

I would argue if not immediately to avoid the risk to my credit score on an ongoing basis, at least there needs to be some deadline, date setup by the court for when this must happen by. Does a common law marriage and forcing her to refinance in the name of her live in boyfriend bolster my case (he has been living there for bad credit loan calculator 2 years or so? Surely this man is helping with household expenses including the mortgage payment? Since 2007, the online loans bad credit LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Here in New York mortgage brokers are governed by the New York State Banking Department. The task force is charged with: exploring regulatory reform pursuing enforcement creating statewide outreach and educational opportunities and developing loan and refinance programs. You can also file a complaint with the FBI -- look for the field office in your state and find the location of their headquarters. WRITE A LETTER TO CONGRESS SUPPORTING THE CENTER FOR RESPONSIBLE LENDING IN THEIR QUEST TO ENSURE THE SUBPRIME CRISIS NEVER HAPPENS AGAIN: Fill out the on line form with your email name and adress -- the letter is already written for you!

Once you put in your information, just one click, and you can send other letters supporting other legislature. About the proposal: Senator Dodd and other leaders in the Senate have introduced the Mortgage Reform and Anti-Predatory Lending Act of 2007 (S. The proposed legislation would go far in protecting families from abusive subprime mortgages.

WRITE A LETTER TO CONGRESS SUPPORTING THE CENTER FOR RESPONSIBLE LENDING IN GETTING THE HR 3609-EMERGENCY HOME OWNERSHIP AND MORTGAGE PROTECTION ACT PASSED.