Also Deeds and debt help?

Question

Ok another real quick question.

I am trying to straighten out my life here it is fairly horrible. I and my husband owe a lot of debt about to get a house in or name.
the house is worth more then are debt isn't there something we can do so we don't have to file bankruptcy?

We don't have the deed and this stops us. We can't afford the fees but the house is worth more then or debt alone and would free us from debt isn't there anything els we can do to take care besides banktruptcy?Sorry I am just trying to figure out my life and , trying to see if others might no a easier way.

It was given to my husband from his mother in the event of her death. So that is why we got the house only we can't afford the fees of the laywer . I was wondering if there was a way to get a deed to a place cheaper then going threw the laywer but I am sure you gotta go threw the laywers.

Answer 1

HOW are you about to get a house in your name? If you are trying to BUY, you can't afford to buy at this point. If someone is giving you the house, your debt has NOTHING to do with the house. If that is the case, I recommend SELLING the house and paying off your debts. You can than use whatever is left to start looking for a house you can actually afford.

Answer 2

Ok, I don't really understand how you have the house with no deed. If you go to HM land registry on the internet you will be able to do a search on your address. This will tell you the name of the owner. If it is you, you just need to pay two or three pounds for the deed which you will be able to download immediately.
But if it is in your mothers name, then you need to register it in your name, which may be complicated or not.
You need to check first, then ask again with more details, or email me, I Will try to advise you after I know the following: Is your mu Still alive and is it in her name. Also, how long has it been in her name?
You see transferring the property to you could involve heavy taxes, I'm not sure. Maybe you could consider renting out a room or two for a while, to help you get out of your current troubles, then save a little from this for a lawyer.
You may be able to sell it, pay off your debts abd buy something cheaper.

Answer 3

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you could try your morgage lender there must be a copie some weare try your council land registory they might have something on them or go to c.a.b but surley paying solicitors fee is not going to help.