Hello! My name is ***** ***** I am a licensed attorney with more than 18 years of experience. I am here to assist you with your questions. Please understand that if I ask you for additional information, you are NOT charged again and our communications are NOT timed. So please see this as a relaxed conversation between friends. I am here to help
Also, if you would like to chat on the phone, let me know and I can make that happen.
I am sorry for this dilemma.
And, frankly, your options are limited.
Your co owner has the same rights to the property as you. And, the same obligation (to pay the mortgage).
One option, if you can cover the mortgage on your own, is to do so. And bide your time. At some future point, when the home sells, you could sue to recover the equity that would typically belong to the co owner. The legal theory is that since you paid the mortgage allowing the equity to develop, you would be entitled to the entire equity in the home.
But this would require that you pay the mortgage for enough time to develop the equity.
The other option would be to file for a "partition" of the property (this would force a sale of the property to remove the mortgage). But this would require the property to be sold.
This is the part of my job I don't like...when the law is not in favor of my customer. I wish I could tell you that there were more options, but I can only provide you information based on the law so that you can act on the best available information to you...I wish I had better news, but can only hope you recognize and understand my predicament and don't shoot the messenger. I'm sorry!
Please let me know if you have more questions. I am happy to help if I can. Otherwise, please rate the answer so I may get credit for my work.