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Good afternoon. What do you owe her?
Thank you for the additional information. This is something which you can try and argue with the court, to offset what you will need to pay her. However, you want to keep in mind, that she has incurred the cost of living some place else, so you would want to find out and know, what she has been paying all this time, since if you tried to recover what you have paid, it would be on top of what she would have paid for her rental, so it could end up being more then the mortgage. You can propose to her a buy-out amount, since you will be living in the home and have been paying the mortgage down but if it can not be agreed upon, the Judge will decide.
Then you do have a good faith basis to ask that the $7k be deducted from what you would owe her, if the equity is going to be split 50-50. You have paid the mortgage and maintained the home, so can ask that those costs be deducted/offset.
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