Ex-Boyfriend threatening lien

[jbit6]

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

I received an email from my ex-boyfriends lawyer stating that I need to respond and resolve this issue or else he will file a lawsuit against me and place a lien on my house. His grounds for placing the lien is that he lent me money to pay credit cards off and to come up with the down payment before purchasing the house.
The house is in my name alone (his credit is terrible). It is an FHA loan which I only had to have 10K as down payment which I had to borrow and repay to my IRA to show banks the money came from me. Yes, we did pay down my credit cards prior to getting the loan as to get best interest rate but the credit cards we paid down were from debt that we both incurred. Is it even possible for him to place a lien on my house?

 

[LdiJ]

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

I received an email from my ex-boyfriends lawyer stating that I need to respond and resolve this issue or else he will file a lawsuit against me and place a lien on my house. His grounds for placing the lien is that he lent me money to pay credit cards off and to come up with the down payment before purchasing the house.
The house is in my name alone (his credit is terrible). It is an FHA loan which I only had to have 10K as down payment which I had to borrow and repay to my IRA to show banks the money came from me. Yes, we did pay down my credit cards prior to getting the loan as to get best interest rate but the credit cards we paid down were from debt that we both incurred. Is it even possible for him to place a lien on my house?

In order to place a lien against your house he would have to sue you, win, and get a judgement against you. You can certainly argue that the debt was shared debt.

 

[FarmerJ]

get out the paper n pen and go through old statements and try your best to determine who spent what ,thats the only issue, (example , games were bought and xbox and he was the xbox fan and took with him the xbox & games then that would go in one column. say he wanted a laptop and it was charged and he now has it , list it. be fair about what you listed , if it was things like grocerys then list half. Since you were not married he pretty much has the same standing as if he was a renter , unless there was something in writting to show other wise. NO rights to the house , since title and loan are in your name alone. Let him take you to court and try to prove other wise , your free to show the court your records from the CC purchases as you offer to the court the best possible list you can come up re the purchases and since you said > Yes, we did pay down my credit cards prior to getting the loan as to get best interest rate but the credit cards we paid down were from debt that we both incurred< and try to show the court what you paid vs what he paid on the CC bills example , and a list of so called common item shared expenses , like food , utils his car expenses vs yours , you needed tires thats your column he had a brake job on his ride paid by the card his column. ( does that make sense so you can try to offer information about who benefited from what)

 

[jbit6]

Thank you for the replies. After re-reading the letter again, I see that he is demanding to have his name placed on the deed as well. I don't even think this is possible as this is an FHA loan and I have read that if your not on the note your not on the deed. I can certainly prove with the credit card statements and bank statements that the 34K that he is claiming is half of his cost of living the lifestyle my income afforded him. I am just glad that I did pay off the debt before I bought the house because then I would be sitting here with that debt and a new house. Thanks again!

 

[TinkerBelleLuvr]

I'm still not sure how they could even put a lien on the house since it would be unsecured loan. Personally, it can very well be an "attorney" who was paid $25.00 to send you a note.

And if there is nothing in writing, it gets much harder to prove. If you get sued, come back for guidance.