Right to the house, mine?

[helpneededsos]

What is the name of your state (only U.S. law)? Washington State

In July 2005 I moved in with a man, we started a relationship. He had bought the house we live in no more than 1 year earlier, taken out a 10 year mortgage.

In January 06 I got a full time job, and he convinced me to put my entire paycheck, approx $1400.00 each month to coverage the mortgage. He agreed to cover all other expenses... utilities, credit cards, cell phone, car insurance, food etc.

SO I have been paying off this house, with my whole check each month... my problem is, he has not been paying down the credit cards as agreed. He pays very little on them each month... around the minimum payment.

I'm ready to end the relationship... I am leaving to continue graduate school. I really don't want the house, but I do think that he should pay off these cards. One has a balance of around $7500, the other $12500.

What are my rights here? Can someone please tell me is there anything I can do?

I want to discuss it with him calmly, and would rather not get the law involved, but I don't want to get screwed over either. Please advise. thanks.

[Ohiogal]

Originally Posted by helpneededsos

What is the name of your state (only U.S. law)? Washington State

In July 2005 I moved in with a man, we started a relationship. He had bought the house we live in no more than 1 year earlier, taken out a 10 year mortgage.

In January 06 I got a full time job, and he convinced me to put my entire paycheck, approx $1400.00 each month to coverage the mortgage. He agreed to cover all other expenses... utilities, credit cards, cell phone, car insurance, food etc.

SO I have been paying off this house, with my whole check each month... my problem is, he has not been paying down the credit cards as agreed. He pays very little on them each month... around the minimum payment.

I'm ready to end the relationship... I am leaving to continue graduate school. I really don't want the house, but I do think that he should pay off these cards. One has a balance of around $7500, the other $12500.

What are my rights here? Can someone please tell me is there anything I can do?

I want to discuss it with him calmly, and would rather not get the law involved, but I don't want to get screwed over either. Please advise. thanks.

If you are not on the deed to the house you have NO RIGHT to the house. You are not married and therefore have no rights to any of the equity in the house either. He was paying the credit cards -- the minimum payment so he did nothing wrong. Consider what you paid towards the house to be RENT.

[LdiJ]

Originally Posted by helpneededsos

What is the name of your state (only U.S. law)? Washington State

In July 2005 I moved in with a man, we started a relationship. He had bought the house we live in no more than 1 year earlier, taken out a 10 year mortgage.

In January 06 I got a full time job, and he convinced me to put my entire paycheck, approx $1400.00 each month to coverage the mortgage. He agreed to cover all other expenses... utilities, credit cards, cell phone, car insurance, food etc.

SO I have been paying off this house, with my whole check each month... my problem is, he has not been paying down the credit cards as agreed. He pays very little on them each month... around the minimum payment.

I'm ready to end the relationship... I am leaving to continue graduate school. I really don't want the house, but I do think that he should pay off these cards. One has a balance of around $7500, the other $12500.

What are my rights here? Can someone please tell me is there anything I can do?

I want to discuss it with him calmly, and would rather not get the law involved, but I don't want to get screwed over either. Please advise. thanks.

No offense, but why in the world would you agree to make his house payment?

If those are your credit cards, you are SOL...if they are joint cards you may also be SOL.