| My Ex is ruining my credit!
What is the name of your state (only U.S. law)? Michigan
In 2004, I co-signed on a home with my then fiance. We married in 2005 and shortly after I found out that he was not making any of the house payments. I contacted the mortgage company and worked out a repayment plan to catch us up. After getting a second job, I caught the payments up and moved out in early 2006.
After I moved out, he stopped making payments on the house again. He would let the home get to the point of foreclosure and then magically come up with the back balance just to stay in the home. Then he would stop paying for a few months and on and on the cycle continues. When our divorce was final in 2007, he opted to stay in the house and assume payments until he could either refinance into his own name or sell the home to get it out of both of our names.
It is not 2009 and he is still living there (with a new fiance) and has yet to do anything. He cannot sell the home because of the current market. He cannot refinance into his own name because he ruined his own credit so badly banks just laugh at him. (Along with the late mortgage payments, he has 2 reposessions on his credit for a car that I co-signed for him on)
Aside from the mortgage payments, I have impecable credit. I am never late on any payments and am in good standing on all of my personal accounts.
I have a lease that is due in a week and was told today that I did not qualify for a car loan because of my credit. So I am stuck with a horrible credit score and will have no car to drive a week from now.
Is there any action I can take against him? Can I take him to court and sue him for slander of credit? Is there ANYTHING I can do to get my name off of the house? This has been going on for several years and I cannot take it anymore. HELP! | 
01-26-2009, 10:48 PM
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