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My husband has an old mobile home s wife distroyed s credit…

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My husband has an old...
My husband has an old mobile home his wife distroyed his credit and now the mobilehome is unenhabiable in texas can you volunteer to send it back to the people holding the morgage
Submitted: 2 years ago.Category: Real Estate Law
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Answered in 4 minutes by:
1/20/2016
Real Estate Lawyer: ScottyMacESQ, Lawyer replied 2 years ago
ScottyMacESQ
ScottyMacESQ, Lawyer
Category: Real Estate Law
Satisfied Customers: 18,161
Experience: Licensed General Practice Attorney, Texas
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Thank you for using JustAnswer.

I'm sorry to hear about your situation. Yes. This is called a "voluntary repossession", and in the real estate context it's also known as a "deed in lieu of foreclosure". Now the main problem is that the lender could take back possession and still sue for the balance owed (or at least the amount owed minus what it sells the home for). This is called a "deficiency". Lenders typically don't waive a right to seek a deficiency unless they determine that the voluntary repossession without a deficiency would be better than the added expense of getting it back, selling, legal fees and costs, etc...

It would be best to contact the lender and see if they would agree to a deed in lieu / voluntary repossession. Telling them that you're on the verge of bankruptcy would help, as bankruptcy would release most debts and the best they might get would be pennies on the dollar for the underlying debt.

Hope that clears things up a bit. If you have any other questions, please let me know. If not, and you have not yet, please rate my answer AND press the "submit" button, if applicable. Please note that I don't get any credit for the time and effort that I spent on this answer unless and until you rate it positively (3 or more stars). Thank you, ***** ***** luck to you!

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Real Estate Lawyer: ScottyMacESQ, Lawyer replied 2 years ago

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Real Estate Lawyer: ScottyMacESQ, Lawyer replied 2 years ago

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Real Estate Lawyer: ScottyMacESQ, Lawyer replied 2 years ago

If there's nothing else, please rate this answer. Please note that I don't get any credit for the time and effort that I spent on this answer unless and until you rate it a 3, 4, 5 (good or better) AND press the "submit" button, if applicable. If you feel that I have gone above and beyond in this answer (my average answer is about 10 minutes) bonuses are greatly appreciated. Thank you, ***** ***** luck to you!

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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 (last updated February 8, 2012).

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