big dilemma!

[Ohiogal]

hahahahahhaha

I have GREAT credit ~~ the ONLY good credit he had was when i was paying the mortgage


You don't know me

I was approved for the refi ~~~~ if you could read you would see that

He stole everything to do drugs with and put it all on the house without me there!!!
100,000.00 worth

Then left me with the kids to deal with paying for it all

If you think that's funny ~ you put yourself just as low as him

Oh LD, this is not rude? Really?




Again, the only advice that can be given is:

Pay an attorney to review everything and give you advice.
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Got it? Because LD is wrong that you should let dad hang. It WILL come back to bite you.

 

[ecmst12]

I'm not the one laughing, you are. You couldn't get a mortgage modification because he makes too much money. That's a bit inconsistent with him being a drug addict, that's all I'm saying.

 

[LdiJ]

Oh LD, this is not rude? Really?

Nope...that was not rude. Defensive yes, rude no.

The whole point I have been attempting to make here is that you cannot flat out call someone a liar without expecting them to react and defend themselves. You are smart, so you KNOW that. This poster did not react with no provocation. This poster reacted to being flat out called a liar. When you make inflammatory statements you call it being "direct". When posters respond in defense, you call it being rude.

That is hypocritical...and quite frankly, that is beneath you, you are better than that.

 

[Ohiogal]

Nope...that was not rude. Defensive yes, rude no.

The whole point I have been attempting to make here is that you cannot flat out call someone a liar without expecting them to react and defend themselves. You are smart, so you KNOW that. This poster did not react with no provocation. This poster reacted to being flat out called a liar. When you make inflammatory statements you call it being "direct". When posters respond in defense, you call it being rude.

That is hypocritical...and quite frankly, that is beneath you, you are better than that.

Good to know you are predictable. No really. She was told she was full of bs ... by Sandy. Yet you call me out. GOOD going LD. Prove your ignorance and prejudice all at once. Nice.

 

[LdiJ]

Good to know you are predictable. No really. She was told she was full of bs ... by Sandy. Yet you call me out. GOOD going LD. Prove your ignorance and prejudice all at once. Nice.

Nope...Sandy asked a valid and logical question, without making any judgments. I didn't "call you out", at least not to start with. To start with I pointed out that you might have been overreacting.

It really doesn't matter. You are too smart to pretend that flat out calling someone a liar won't result in a defensive response.

 

[Eekamouse]

I don't think there are too many heroin and crack addicts that are able to hold down well paying jobs, especially after using for at least 10 years. Guy must not be too much of a addict if he's able to keep his job all this time.

 

[Ohiogal]

Nope...Sandy asked a valid and logical question, without making any judgments. I didn't "call you out", at least not to start with. To start with I pointed out that you might have been overreacting.

It really doesn't matter. You are too smart to pretend that flat out calling someone a liar won't result in a defensive response.

You don't read. Sandy called BS on her answer. That is not making a judgment? REALLY?

And OP was approved for the refi -- she CHOSE not to do it. See the issue? She CHOSE not to refi the house. She just went off about being approved for the refi but decided not to do it. Another point against her.

 

[LdiJ]

You don't read. Sandy called BS on her answer. That is not making a judgment? REALLY?

And OP was approved for the refi -- she CHOSE not to do it. See the issue? She CHOSE not to refi the house. She just went off about being approved for the refi but decided not to do it. Another point against her.

Sandy said this:

I'm curious... How did you manage to get his name off the deed if only his name appears on the mortgage? How did the mortgage company not know about this? I didn't think it was possible to deed a house in one person's name while the mortgage is in someone else's name?

That's not "calling BS"

How do you infer that she chose not to refi from this statement:

I have tried to refi..... I was approved for it...would have brought mo pay down $300
But..... its under water (because he refinanced everything into the mortg before he left) and appraisal is less than what is owed

That infers that the refi made it to the appraisal stage, and then failed because the house did not appraise high enough related to the mortgage principal.

 

[Ohiogal]

Sandy said this:



That's not "calling BS"

How do you infer that she chose not to refi from this statement:



That infers that the refi made it to the appraisal stage, and then failed because the house did not appraise high enough related to the mortgage principal.

She said she was approved -- she was the one who argued with Ecmst that she was approved. She just needed to come to the table with money and yes Sandy did call BS. For the second time you missed this when sandyclaus stated:

Um, I call BS on that.

The mortgage company wouldn't allow someone to sell a house before paying off the existing mortgage, I don't think. Definitely a $1 payoff didn't do it.

It is good to know you will stretch reality to dog me. Continue with your vendetta. OP needs to see an attorney because if she chooses to walk from the house; if she screws her ex husband's credit; if she doesn't hold him harmless when she was awarded the house; she can find herself on the wrong side of a contempt case and with a judgment with several thousands of dollars. And again, she has chosen to not pay the mortgage since April. She has stated as much by bragging about her great credit and how she was approved. Again, SHE NEEDS to see an attorney who can get to the truth of the matter.

 

[LdiJ]

She said she was approved -- she was the one who argued with Ecmst that she was approved. She just needed to come to the table with money and yes Sandy did call BS. For the second time you missed this when sandyclaus stated:







It is good to know you will stretch reality to dog me. Continue with your vendetta. OP needs to see an attorney because if she chooses to walk from the house; if she screws her ex husband's credit; if she doesn't hold him harmless when she was awarded the house; she can find herself on the wrong side of a contempt case and with a judgment with several thousands of dollars. And again, she has chosen to not pay the mortgage since April. She has stated as much by bragging about her great credit and how she was approved. Again, SHE NEEDS to see an attorney who can get to the truth of the matter.

Anyone who needs to refi to reduce payments doesn't HAVE any money to bring to the closing table. If they had the kind of money that would be needed to bring to the closing table (generally enough to bring equity to 20%) they wouldn't need to do the refi in the first place.

I have no vendetta here...nor am I trying to "dog" you. I am simply attempting to have an honest debate on the facts presented.

 

[bfreitas]

I don't think there are too many heroin and crack addicts that are able to hold down well paying jobs, especially after using for at least 10 years. Guy must not be too much of a addict if he's able to keep his job all this time.

just so you know >> I went through his addiction from 1998, trying to get him help until I couldn't do it anymore and separated in 2003, divorced 2006
he hasn't held a job, moved to other states , worked under the table, he has a job for a few months and then goes on unemployment, job, unemployment, job unemployment for the past 7 yrs

that's why I am owed arrears and that's why I had to support my kids by myself
I have provided them with what they need (health ins **even though he was supposed to**, food, clothes, emotional help with dealing about him and so on....

It's ok... I don't know these people on this site and really just needed some help but obviously I came to the wrong place

 

[Ohiogal]

just so you know >> I went through his addiction from 1998, trying to get him help until I couldn't do it anymore and separated in 2003, divorced 2006
he hasn't held a job, moved to other states , worked under the table, he has a job for a few months and then goes on unemployment, job, unemployment, job unemployment for the past 7 yrs

that's why I am owed arrears and that's why I had to support my kids by myself
I have provided them with what they need (health ins **even though he was supposed to**, food, clothes, emotional help with dealing about him and so on....

It's ok... I don't know these people on this site and really just needed some help but obviously I came to the wrong place

Again for at least the 100th time, you need to take all your documents to an attorney who will work for you and review them. Because walking away from the house and sticking it to him can bite you hard. LD's advice is dangerous quite frankly and can result in you being found in contempt and having to pay your ex several thousands of dollars.