My now ex fiance is in jail for molesting my daughter while I was at work....I have everything started for taking care of her...but we recently bought a house together and I can't afford payments and still have money for my daughters.... Does anyone know of anything that can help me get rid of the house or something....I already have for sale signs in the yard and it's listed with agents. My daughter will not go in the house so we've moved and I don't want to pay for it since we're not living there....What can I do? HELP!
2006-11-30 04:09:44 · 11 answers · asked by sw33tbabi3_05 1 in Politics & Government ➔ Law & Ethics
Ok I'm not asking you to judge me or put me down for what happened....I already feel guilty but its not like he had a sign on his head saying that he would do that. You can tell that a person is going to do that kind of thing.....Please don't sit here and tell me that its my fault and that I should have woke up that morning thinking that my daughters daddy would do that to her.
2006-11-30 04:18:27 · update #1
For now, all I think that you can do is RENT the HOUSE. At least rent it out for the mortgage payment. Call the Real Estate Agent,and tell him. See what your "contract" allows. There are some Real Estate Companies that offer to buy the house if they can't sell it in 3-months! At least we have that in Canada. Make sure that when things settle down, that you take legal action against your EX - in Civil Court. There are many Lawyers that will take your case, and not Charge you until the end result! Look into that. I am so sorry about what happened to your little girl. Are you getting some help for her? I hope so. I bet your kicking yourself, once again I tell young people, to go slow, in relationships, especially where there are children involved. One Never Knows. Possibly, you could speak to your bank and see about "bridge financing" - if you qualify, the Mortgage would be paid, through Bridge Financing, and when the House is sold, the Mortgage Company gets their money first. The Lawyer, who closed, all costs, and the leftovers (if there is any) go to you. That is about as much as I know you could try. Good Luck, and God Keep you and your Children SAFE. Maybe I am the first, Merry Christmas, and a Happy and Prosperous New Year.
2006-11-30 04:20:17 · answer #1 · answered by peaches 5 · 0⤊ 0⤋
Wow.. Please Please Please don't blame yourself for something like this. There is NO WAY everyone can foresee what someone will do.. The recent new has shown that the most well respected and loved doctors, lawyers and clergy can be child molesters.. There is no way that you could have known..
On to your house issue.. Your biggest problem is how the house is titled.. If both you and your ex are named on the deed then both of you will need to sign off to sell the property..
The best thing for you to do is to see if your ex will sign over his rights in the property to you through what is called a quit claim deed. That way you would be free to sell the property before your credit is ruined from not paying the mortgage.
If he will do this you the next step is to find out from your realtor why the house isn't selling.. Probably if you recently purchased the house there isn't enough equity in it yet to cover all the expenses of selling it and the realtor's comission..
The first step is getting the property soley in your name through the quick claim deed..
I would then approach my realtor and ask if they would be willing to purchase the property from you for the amount that you owe on it..
If they would not then I would try calling one of the "I buy homes" companies.. Like home vesters... The "we buy ugly houses" people..
Just have them come out and give you a price.. Tell them what you owe on the mortgage and say your looking for the highest offer above that amount.. Be carefull and do not sign a contract with them unless you are 1st released from your realtor's listing agreement.. Otherwise, you may still owe your realtor a commission.
Good Luck and again THIS IS NOT YOUR FAULT!!
2006-12-01 07:26:12 · answer #2 · answered by miamipoker2 1 · 0⤊ 0⤋
There are several things you can do.
1. Call your current mortgage lender and ask for help. They may be able to put the late payments on the back of the loan.
2. If you can't afford the house, call your lender and tell them you want to do a "Deed In Leu", this is were you give up your rights to the house. It wont look as bad on your credit versus going bankrupt.
3. You can always try to refinance
4. Rent out the house - Relators can assist you with this
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Jon
2006-11-30 05:52:11 · answer #3 · answered by Anonymous · 0⤊ 0⤋
What you would pay for it, would be paid back to you when the house was sold. Mortgage payments are like paying yourself, in essence.
You really don't want the house forclosed on, which could make matters worse for you in the future. Also, alot of banks -if they see that you are atleast making an effort to pay will be reluctant to forclose. As for your situation, Hang in there and just do the right thing for you and your daughter. That must be really difficult, but this too shall pass.
2006-11-30 04:12:41 · answer #4 · answered by profile image 5 · 0⤊ 0⤋
Besides the money you get if it sold having to go back to pay off the mortgage, you'd have to pay him some as his share seeing as you both bought the house together and you'd have to pay taxes on it.
You're going to have to pay your mortgage unless you default and let it get foreclosed on. Bad idea for credit rating and ever getting another loan. Call the bank let them know you are in a bit of a financial bind but want to continue paying something on your mortgage. They will more-than-likely work something out with you.
I'm not sure, but you might be able to sign the house over to him and make him accountable for it all. Check with your mortgage holder on that one.
2006-11-30 04:20:38 · answer #5 · answered by parsonsel 6 · 0⤊ 0⤋
You need to sell the house ASAP and pay off the mortgage.
I assume you've moved somewhere free, since if you couldn't pay the mortgage before, you surely are not paying two house payments.
2006-11-30 04:55:43 · answer #6 · answered by kingstubborn 6 · 0⤊ 0⤋
Check out www.modestneeds.org. They may be able to give you some temporary financial help if your house payment is modest.
2006-11-30 04:19:42 · answer #7 · answered by Chris Lemens 2 · 0⤊ 0⤋
You could try renting the house out,I hope your daughter is well,Good luck
2006-11-30 04:18:42 · answer #8 · answered by Tara 5 · 0⤊ 0⤋
You call this scum your fiance'? What is more important is how is your daughter? Leave the men alone, concentrate on her! Regarding the house? Things will work out!
2006-11-30 04:19:12 · answer #9 · answered by red9 3 · 1⤊ 2⤋
You just have to wait until it sells. Next time pick your boyfriends more carefully. Your daughter depends on you. Don't let her down again.
2006-11-30 04:13:37 · answer #10 · answered by sheeny 6 · 1⤊ 1⤋