Hello, I live in Arizona. Got a letter from my former spouse who not only stopped communicating with me and my child 1.5 months ago and has stopped paying child support and never paid
Please help me as to what is going on here. I am completely current on my joint named car payment and home.
I would not qualify to refinance anything independently due to my meager SSDI disability income. I have never been late or missed a payment on my home or car that is in my and my ex's name.
I will send some legal document attachments separately. What do I do and is it true?
Does the fact that I have a quick claim deed in my name for the property mean anything here? The ex's name is ***** ***** my leased vehicle and condo. I thought I would be fine since nothing is delinquent.
I still think my home is worth less than I owe but these people my thing otherwise.
Good morning, I'm contacting today to inform you that I have retained an attorney and filed bankruptcy. As part of it, I'm including the Indian Bend property as well as the leased vehicle you are in possession of. With that said, my counsel has informed me that if you would like to keep the properties mentioned above, you will need to get them refinanced on your name only as per the divorce decree. You have approximately 5 weeks to complete the refinancing, otherwise, the properties will be included and subject to repossession by the creditors (in the case of the house since there is approximately $46,000 in equity, it will be sold to offset the outstanding debts given the fact that the divorce decree conditions of getting them refinanced on your name only in order to be the sole owner of the property was not abided to - in essesnce, in content of the court ruling). If you refinance the home and my counsel has confirmation that the loan involving me was satisfied, my counsel will file a deed to transfer my ownership interest to you. If you decide to sale the house instead and buy another home in your name only, it will need to be done quickly as to avoid the creditors claim to the resulting profits. Please let me know what option you will be going with so I can communicate it to the appropriate parties.
I was denied refinance by other banks due to being underwater and my bank already did a reduced rate Harp refinance in 2011 so I was not eligible for another maybe. Should I call again to see but my income is so so low. I will get denied.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service.