I need help!!

[skipshankle]

I live in Texas.
I have a complicated situation. I recently got married (2 months ago). We were fine for about a month. This last month has been hell. She moved her stuff out 3 days ago. Two problems though. One is that I bought a dog for her under my name, taking a loan in my name as well under the explicit understanding that she was going to be making the payments for said dog. I have been making the payments. The main problem with everything is that she has a terminal illness which makes it almost necessary for her to have health insurance. I have already had her added to mine. My concern is if we do get divorced, what is the worst case scenario for myself. Or even what is most likely to happen. I have been paying for everything since we have been together. I am currently paying $150 a month on her wedding ring ($1500), the dog is $1100 so I am paying on her, I pay an add. $150 a month for adding her onto my insurance and now that were not together I am going to pay my family back the $1200 given as a wedding gift because it is the right thing to do since we were married for so short a time. I just want to know if she might be able to get any kind of stipend or get to stay on my insurance since she isn't able to hold a fulltime job. She was on her stepfather's insurance before me. Her family was paying for all her medical and living expenses before I came along. I don't suppose there might be some way of asking for an annulment on the grounds of physical handicap?? I have also told her that she either needs to give me the total value for the dog or the dog as I only purchased the animal on certain grounds. Unfortunately I do not have anything in writing saying that. I also did try to reach out to her and I wrote her a letter saying a still loved her and that I would not divorce her or drop her from my insurance. I dont know if that would constitute a binding agreement?? I didnt sign the letter though. Also I was doing that as a last measure because I still care for her and a small part of me wanted things to work. And I didnt want her to be without insurance. Also I had told her that I would keep her on my insurance but SHE would have to give me the monthly payments. However afer thinking about everything I dont know how long that should go on and if she did go to the hospital and accrued a bill, I do not want to be stuck with it. I really dont know how to proceed. I want to try and be nice but I am not going to screw myself to do so.

 

[LdiJ]

I live in Texas.
I have a complicated situation. I recently got married (2 months ago). We were fine for about a month. This last month has been hell. She moved her stuff out 3 days ago. Two problems though. One is that I bought a dog for her under my name, taking a loan in my name as well under the explicit understanding that she was going to be making the payments for said dog. I have been making the payments. The main problem with everything is that she has a terminal illness which makes it almost necessary for her to have health insurance. I have already had her added to mine. My concern is if we do get divorced, what is the worst case scenario for myself. Or even what is most likely to happen. I have been paying for everything since we have been together. I am currently paying $150 a month on her wedding ring ($1500), the dog is $1100 so I am paying on her, I pay an add. $150 a month for adding her onto my insurance and now that were not together I am going to pay my family back the $1200 given as a wedding gift because it is the right thing to do since we were married for so short a time. I just want to know if she might be able to get any kind of stipend or get to stay on my insurance since she isn't able to hold a fulltime job. She was on her stepfather's insurance before me. Her family was paying for all her medical and living expenses before I came along. I don't suppose there might be some way of asking for an annulment on the grounds of physical handicap?? I have also told her that she either needs to give me the total value for the dog or the dog as I only purchased the animal on certain grounds. Unfortunately I do not have anything in writing saying that. I also did try to reach out to her and I wrote her a letter saying a still loved her and that I would not divorce her or drop her from my insurance. I dont know if that would constitute a binding agreement?? I didnt sign the letter though. Also I was doing that as a last measure because I still care for her and a small part of me wanted things to work. And I didnt want her to be without insurance. Also I had told her that I would keep her on my insurance but SHE would have to give me the monthly payments. However afer thinking about everything I dont know how long that should go on and if she did go to the hospital and accrued a bill, I do not want to be stuck with it. I really dont know how to proceed. I want to try and be nice but I am not going to screw myself to do so.

Do NOT cancel her from your insurance or default on any loan/credit arrangement that is in your name. You are correct that as long as the two of you are married you risk being held accountable for her medical bills....particularly since TX is a community property state....you only protect yourself by continuing the medical insurance. and as far as loan/credit is concerned, if it is your name, you are responsible as far as the creditors are concerned. The creditors will not be parties to your divorce....and even if she returns the ring, you can't sell it for more than a fraction of what you paid for it.

Get yourself a consult with a local attorney ASAP.

 

[ceara19]

I live in Texas.
I have a complicated situation. I recently got married (2 months ago). We were fine for about a month. This last month has been hell. She moved her stuff out 3 days ago. Two problems though. One is that I bought a dog for her under my name, taking a loan in my name as well under the explicit understanding that she was going to be making the payments for said dog. I have been making the payments. The main problem with everything is that she has a terminal illness which makes it almost necessary for her to have health insurance. I have already had her added to mine. My concern is if we do get divorced, what is the worst case scenario for myself. Or even what is most likely to happen. I have been paying for everything since we have been together. I am currently paying $150 a month on her wedding ring ($1500), the dog is $1100 so I am paying on her, I pay an add. $150 a month for adding her onto my insurance and now that were not together I am going to pay my family back the $1200 given as a wedding gift because it is the right thing to do since we were married for so short a time. I just want to know if she might be able to get any kind of stipend or get to stay on my insurance since she isn't able to hold a fulltime job. She was on her stepfather's insurance before me. Her family was paying for all her medical and living expenses before I came along. I don't suppose there might be some way of asking for an annulment on the grounds of physical handicap?? I have also told her that she either needs to give me the total value for the dog or the dog as I only purchased the animal on certain grounds. Unfortunately I do not have anything in writing saying that. I also did try to reach out to her and I wrote her a letter saying a still loved her and that I would not divorce her or drop her from my insurance. I dont know if that would constitute a binding agreement?? I didnt sign the letter though. Also I was doing that as a last measure because I still care for her and a small part of me wanted things to work. And I didnt want her to be without insurance. Also I had told her that I would keep her on my insurance but SHE would have to give me the monthly payments. However afer thinking about everything I dont know how long that should go on and if she did go to the hospital and accrued a bill, I do not want to be stuck with it. I really dont know how to proceed. I want to try and be nice but I am not going to screw myself to do so.

You took out a LOAN to buy a DOG? The humane society has animals that can be adopted for much less than $1100! At least you didn't try to fix the marriage by having a baby!

LdiJ is right, Texas is a community property state. Even if she is ordered to pay half of the debt in a divorce, that doesn't necessarily mean that she WILL. Get a divorce, either make sure she pays her half of the marital debt or pay it yourself and cut your losses. Turning this into a court battle could very easily cost you more then the $1150 she should have to pay.