If you sell your old engagement ring, the jeweler is obligated to sell that ring (and quickly) or risk losing money on the deal. However, executing a quit-claim deed does not eliminate a co-borrower's financial or legal liability for the loan. This rude Metrobank employee told me that it is not her concern anymore.

If the debt is a consumer debt to be paid 100 percent through the Chapter 13 plan, the co-debtor is protected by the co-debtor stay. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. After you close on the new mortgage, your spouse's name will no longer appear on the loan and she will no longer have a legal claim to the property. The discussion above regarding spousal liability is meant to provide general information about community property as a theory.

Compare credit cards apply online for the new discover it card. Yes, my lawyer did neglect to advise me properly on this issue as well as some other issues. We can support your proposal virtually, or at your location, nationwide. Your new lender will only require to see the quit claim deed if your ex spouse is still showing on the title to the property (which means you never recorded the quit claim deed executed though the divorce); you will simply need to provide that document to the escrow/title company.

However, a credit card judgment can be discharged in bankruptcy. I believe the mortgage company sent me a "Motion for Relief for the Co-Debtor" and she kept this from me. Some judgments cannot be discharged in bankruptcy, including child support, repayment orders dealing with cases of fraud, student loans and some taxes. The mortgage originator estimated the risk for the loan based on, in the case of a joint mortgage, both borrowers’ credit scores, incomes, and debt-to-income ratios. Answers from Experts on JustAnswer are not in ohio can my divorced wife refinance our house without my signature substitutes for the advice of an attorney.

She called me on a Friday night demanding I sign paperwork for a mortgage loan modification. Therefore, it is important to consult with an attorney in your state who can review the details of your situation and give you accurate and precise advice about your rights and liabilities under your state's laws. Please let me know if you have any additional questions. Mortgage contracts are written to make it difficult or impossible for the parties to change the terms or conditions.

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I am concerned about the recent large drops in the stock market indexes. Our mortgage company will not refinance because we owe more on our home than what it is worth due to the drop in market prices in our area. They don’t want to help you, they just want to get your money.

One of those documents is your proposed Chapter 13 plan. Foreclosure on this mortgage would be my BEST outcome. Feb jim walter homes mid state homes complaint review. Here we offer you our well prepared and well formatted permission letter template. UK entrepreneur James Caan (as seen on Dragon's Den) financed his first business using several credit cards.

I have no idea what any mortgage company might do when faced with a choice of foreclosing or getting paid. Use of this web site constitutes acceptance of the eHow Terms of Use and Privacy Policy. Edwards has experience working with collections, liens, judgments, bankruptcies, loans and credit law. A quit-claim deed removes a party’s interest in the property by changing the name(s) on the title. They don't care who the payment comes from, they just want their money.

Use of the Forums is subject to our Disclaimer and our Terms and Conditions of use which prohibit advertisements, solicitations or other commercial messages, or false, defamatory, abusive, vulgar, or harassing messages, and subject violators to a fee for each improper posting. FreeAdvice.com has been providing millions of consumers with outstanding information and "advice" free since 1995 with thousands of professionally prepared and reviewed articles, questions and answers in more than 100 categories in the Question and Answer pages at FreeAdvice.com. Always was into the Mustangs because of the movie 'Gone in 60 Seconds' with the 1967 Shelby GT500 Fast back when I was growing up.

I'm assuming that you want to refinance because the rates are so low. If your credit score is lower than that of your spouse, you may not qualify for a lower interest rate when you refinance the home into your own name. She has been through bankruptcy and didn't make the payment plan and I assume the house is almost in foreclosure.

In addition, you will need to compare the terms of your current loan with those of any refinance in ohio can my divorced wife refinance our house without my signature offered to make sure that the new terms are competitive with those of your previous loan. I seriously doubt that any lender is going to do a modification without both borrowers involved. With only one person responsible for the loan, in ohio can my divorced wife refinance our house without my signature the lender is in a riskier position. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains. You should not read this response to propose specific action or address specific circumstances, but in ohio can my divorced wife refinance our house without my signature only to give you a sense of general principles of law that might affect the situation you describe. If she has used my information or forged my name on anything, I want to prosecute her to the fullest extent of the law.

In Alabama, quitclaim deeds can be for either purpose, however people use them most often to correct title issues. Register today and earn $20 - $1200 in ohio can my divorced wife refinance our house without my signature per completed assignment. Search for manufactured, modular and mobile home floor plans in your region. Study the scenario below as it relates to a unit boundary in Texas. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile.

But if we are not successful with the dispute, can we still get a FHA mortgage. It also says including but not limited to title and closing documents. If both spouses are jointly liable to a creditor, the bankruptcy of one does not relieve the other of paying the debt.

In spite of a bit of pain in the arm once the local anesthesia wore off, this has been great. This information will impact the terms of your auto loan, including the interest rate that you may be charged and whether or not you are required to submit a down payment. As it is now, I am stuck on this mortgage for several more years. What are my options to remove my name from the mortgage.

You can always petition the court that it be sold before your credit is completely trashed. But for the million non elderly people with housing for people on ssi chicago illinois disabilities who try to survive on a. Due to the high volume of comments received, we cannot publish and/or respond to every comment received. Max Girardo started his career in the vintage automobile industry in 1998, joining Brooks Auctioneers (now Bonhams) as a car speit. How is a loan modification different from a refinance.