Save my Home

[samiami]

Florida -

Over 2 years ago my ex-fiance started a lawsuit against me for our house and 2 unimproved lots. To date, he has not been able to prove his case, therefore, it is pending. Because he couldn't prove his case, he started doing dumb things to financially break me. He shut off the electric, which cost me my car, yep, I had to voluntarily turn it back in, because I could no longer afford it. Then he cut off the water, phone, stopped paying joint credit cards, etc. All of this put me in a situation of robbing Peter to pay Paul. On top of all of that I was working in the construction industry in Florida as a bookkeeper and because of the economy, lost my job. My credit is now trashed. Runs in the 400's. It was in the high 600's before he started all of this.

The last thing he has done is to stop paying the mortgage. The "note" is in his name only, but I am on the deed. We did this in 2003 because our interest rates would be lower using his credit. He has moved out, the mortgage company will not discuss the loan with me, but they can send me bills to pay it. Which is how I learned that my ex was not paying the mortgage.

Currently, we are 2 months behind. My ex refuses to Quit Claim the house, says he would rather it go to foreclosure then allow me to have the house. With his consent the mortgage company spoke with me and told me that my only option is to pay the past due amount, which enhances his credit, not mine.

I don't want to loose my home. I have put several thousands of dollars into it, which is why my ex cannot prove his case. There must be something I can do.

Does any one have any suggestions. My lawyer says that because my ex refuses to settle, we will need a CPA to clear up the situation. I cannot afford a CPA and my ex hasn't even paid his lawyer, so I doubt he will pay for a CPA. The CPA needs $2,500 just to look at our paperwork. That money could pay about half of what is owed on the Mortgage. I realize that I could walk away with a no harm no foul to my credit. But it is already a mess now, so finding a place to live will be very difficult.

Advice please.

[jpathfynder]

Being unemployed, without a car, and a credit score that low... start investing in lottery tickets. (just kidding)

The "note" is in his name only

It sounds like this guy has a vandetta against you. He's not going to make things easy. Walk away, several thousand dollars invested in a house is 1 or 2 monthly payments.

[nextwife]

Who is LIVING in the home?

If he's not there, why did you not get a roommate and make the payments yourself?

Who is USING the electric that was shut off?


Who has use of the car he's not paying on? If it's your car, you should be paying. He is NOT a spouse, and has no legal responsibility to provide any money to you.