Ex-Husband Is About To Put Me In A Foreclosure! 

@Adil Alfa If the husband got sole control over the house, he should also have been saddled with full responsibility. WV is a "no fault divorce" state (as most are these days), so issues of infidelity most likely didn't come up either way.

@@nickwilliams8302 actually infidelity does play a role in divorces... more so than you let on.. but not on whether the divorce happens or not.. yes most states are no faults.... meaning that regardless of what happened there will be a divorce... No faults were put in place so people did not feel like they were forced to stay married...now back to the point i was explaining... if she had indeed been caught cheating and if he had hard proof of it.. yes the assets and who gets them is then influenced by infidelity. Also if he was deemed as more capable of handling the debt or if he showed she was careless with her money the courts would most likely rule in his favor... now lets not forget that in courts the women are favored heavily... meaning she had to be really messed up to lose.. so that tells me the lady on this video is not telling everything at all.. in fact women are known to manipulate their circumstances to make themselves look like angels. So it is my belief that she is not being forthcoming of the facts.. and since she is not... you can't not take anything said here as advice to work with...

@@Shocke89 Okay, whatever. But the fact remains that in a no-fault divorce jurisdiction, "She cheated on me!" will not affect the settlement. It _may_ affect the child custody arrangements, but that can be a Pyrrhic victory (assuming you care about the emotional well-being of children). I do agree that we have to take anything said by one side in a divorce with a grain of salt (and that goes both ways). My point to Adil Alfa was only that it is preposterous to assert that this woman's outcome was due to any assumed infidelity on her part, due to the nature of the laws in her jurisdiction. No-fault divorce jurisdictions simply do not apply punitive sanctions to parties deemed "at fault". Due to their being "no-fault jurisdictions".

john smith , not so, the settlement was legally agreed upon and each party has the responsibility to get the retained property in their name or sell within a specified time. This does not involve the attorneys.

Adil Alfa why do you say that? I’m just curious because that thought didn’t even cross my mind.

Kudos to your mom!

Well, Jenn. Feel proud of your mum to raise 5 children and own two premises as a single mum and from a woman ability. I give a thumb to ur mum.... STF

@kbrigsby61 I hope you're not that bitter in every aspect of your life. Try enjoying life and appreciating people's accomplishments even if they aren't what you'd consider accomplishments. There are lots of people in the world besides you. :)

I'm betting your mom taught you a lot of valuable things while growing up. She sounds like a great role model!

Tell your mom I said Nice Work

Never put yourself in the situation where you are trusting them to make payments. If trust could exist between you then you'd still be in a relationship.

most places you have sell the house or refinance to do that.

She did take her name off the deed. But NOT THE LOAN

What funds? There is only 10k in equity now, less when got divorced. And that's not counting the sales commission you have to pay when you sell. If they wanted to sale house at divorce they would have had to write a check. So they kicked can down the road.

She can’t just ‘take’ her name off the mortgage short of selling it or him refinancing it in his name only.

Did you listen to the call? There was an agreement to have her name removed from the mortgage or sell the house. The house won't sell. What else outside of refinancing could be done to remove her name from the mortgage?

chris gast 1:48

You cannot just let people away from debt because they no longer live there.

@@jeremyweishaar9523 You absolutely can. The husband got sole control of the house. He should have also been saddled with sole responsibility for the mortgage.

"He should have been saddled"....true, and I agree. But her attorney was lazy and didn't do it right. Banks don't get involved in people's relationship problems: that's a psychologist's / therapist's job. Banks focus on getting repaid, and the "jointly and severally liable" clause in every mortgage contract means if you sign for a debt, you owe the debt, even if you give up your ownership rights. As Dave said, that was very foolish. I'm surprised more people aren't suing their divorce attorneys for giving such bad advice.

Thanks for the laugh! Logically that would make sense but, women will give you a divorce you don't want and point out that they love you and they are doing it because it's the best for you, you're just to stupid to know it.

@@jerrym3261 so true, it took me almost 2years to force the sale of the house, finally sold it and now all that money sits in lawyers escrow because she wants to take all of it...

Some don’t want to work things out.

70% of divorces are initiated by the wife...even Solomon a few thousand years ago had numerous warning about choosing the wrong woman.

@@jeremyjeremy8795 LOL !

And a VA, which means no down payment.

And $2000 a month in West Virginia? Pretty nice.

They could have taken equity out

35k isn't bad for a glorified babysitter. She's not teaching high-school physics or Algebra.

@@TheCowboyfromhell87 I see it the opposite to be honest. She's going to teach kids the MOST important stuff like how to READ and basic math. All the stuff I learned in high school, especially the math and physics, are not actually useful in real life.

Hey cowboy, have you ever stood in front of a class of first graders and had to teach them as well as keep them all alive and unharmed? You sound like a tool. I hope you're actually useful in real life

Cowboy, she still has to have a lesson plan every single day aligned with state standards. Anyone in education is not a glorified babysitter. There’s a reason they need a masters degree. And it isn’t to babysit. Teachers deserve a better living wage.

He may not be active duty. If he's already separated, UCMJ will not apply.

Daniel Brooks chain of command wont listen to ex-wife, if he was active

Probonoman chain of command will listen to friends, ex’s and a lot more. I guess the chain of command you are talking about might be a super mismanaged one.

@@ittakesavillage5461 why would the CoC listen to the ex??? She/he wouldnt be able to get any of the military members unit info

Probonoman it’s very easy. I have my husbands commanders cell phone number for Pete’s sake. Unless she lived in a hole their entire marriage, she has the base numbers, any email will do, text... call.... heck she can even go to the gate and get her message across to the right person. It’s not hard.

Oops only read the strong independent woman part.

Michael Brown, no she doesn't. She sounds like a scared young woman who's trying to ask for help. Did you miss the part where she said her husband has "a lot of debt" and that he makes about twice what she does? The cold hard wall may have been him abandoning her to go play.

@@SherryEllesson except that it likely isn t like that, since most divorces are initiated by women.

They have salaries of 60k and 30k per year and still owe 280k on a house. The "my husband has a lot of debt" line doesn't pass muster. They both live too large. And the fact that she signed a quit claim indicates to me that she was the one who initiated the divorce. She might be justified in it, but she rushed through a process that needs a lot more scrutiny and consideration.

Well she got the house 😂😂😂

She works for a charter prob. And the requirements are flexible. No teacher with a degree is making 35k a year. Shes basicallya babysitter for a charterschool

There are not charter schools in WV

jvolstad That is the problem with the 0 down VA loan.

they bought it with a VA loan which equals no money down, 30 year fixed. They probably bought it 5 or 6 years ago lol

Cheaper keep him ladies

That's a question I have been asking too!

@Al B Who listens to Dave Ramsey if they're good at money making decisions?

That'd be tough to do. The ex-husband could request that the VA remove her name, but he'd be signing for it all by himself. And on $60k per year income, he probably wouldn't qualify for that big of a loan on his own.

Women have the legal system biased ion their favor so tough luck when on occasion a woman gets nailed.

Sounds like you are an angry, seething a-hole . .

Maybe they couldn't sell it (upside down) or one side couldn't get it refinance with only one income.

In my case, we were upside down and the real estate market was dead. We had a similar arrangement as the caller. I married a decent guy, fortunately, and once property values went up, we amended the divorce agreement to allow him to keep the house and he refinanced to take my name off the mortgage.

He was suppose to take her name off of the mortgage and he didn’t.

K Henderson she should have signed a quit claim.

Quit claim doesn't take your name off the mortgage, it just takes your name off the deed. Banks won't take your name off the mortgage unless you refinance.

3Birds1Nerd Indeed. That's what happens when some women believe in fairytales and put more effort in the actual wedding than the marriage.

Yep...

A sad fact is that 50% of marriages end up married their entire life!!

ADMA MGTOW4LIFE

Actually, given that approx. 80% of new divorces today are filed by the woman, the #1 reason for divorce today is the wife.

VA loan, 0% down, plus they add on closing costs and escrow funding. Day zero of the mortgage they were upside down by several %

It's listed at $290k and not selling, so sadly it could be worth much much less.

Nonsense! And a waste of stamps.

She's got to go to the bank to refinance

The attorney gets his money before you realize you've been swindled. This is the sort of thing that needs to be reported to the Bar.

SunshineLaw Fan must've been bank of America

@P Maitra Amen to that! They are TOO BIG. I use to work for them (my bank was bought out by them). And as an employee trying to help customers with mtg issues, it was a NIGHTMARE. One customer I know of didn't have an escrow acct and was current on their property taxes and ins. They were behind on their mtg pmts. Next thing they know they are forced to pay an escrow pmt, nearly doubling their mtg pmt. BOA (constrictor) ensured the customer couldn't realistically get caught up. They attempted to foreclose on the property. But fortunately they got a good lawyer to help them file Chapter 13 bankruptcy to save their home. (Chapter 7 will NOT save your home in foreclosure, but Ch 13 does). Had more equity in the property than what they owed too. BOA would have made a nice profit off them . . .

@@hildadimarco8154 how is that legal?

@@timothygibney159 Fine print on the mortgage documents. Most people signing a mortgage don't think about the what-ifs so they don't read everything. Or think 'that'll never be an issue'. All the bank had to say is, well, we were concerned they might not keep the taxes and ins current. By forcing an escrow, the property taxes and homeowners ins are spread over 12 months. Which created another problem for the homeowner. The monthly payment kept changing and not just monthly. Sometimes during the month they'd get a new payment amount. And the bank's systems are not programmed to take anything different than the exact payment amount. If it's a penny under, it'll go into a "suspense" account until someone (the homeowner) notices there's an issue with a missing payment. The depts DON'T communicate with each other because the company is too big. My advice to anyone looking to get a mortgage - avoid getting one at all costs. But if you do find yourself going that route - run as fast as you can from the big banks. Go to a local credit union. They are invested in the local community. Big banks tell you they are too. That's why they have overseas call centers.

@@hildadimarco8154 I can't vsue to show incompetence in small claims court?

This is why VA loan program should be eliminated..

Maybe he cldnt get it refinanced

Yeah, it's not that simple when combined you qualified to finance more than either of you could afford on your own.

Depending on where and how the vet pays. I have a VA loan 15 years in and paid off $94k on 140k loan (Texas). Money management is key!

people have to understand that ex is no longer your friend they are not going to do right by you

home likely needs repairs or not in a desirable area

@Jeremy Honeycutt Exception to every rule I suppose.

If they're anything like me, they're watching old DR videos on youtube.

Well, I suppose that the parties can write into their divorce papers that water flows up hill, but that won't make it happen. All of this is nonsense, as the divorce court has no legal power to effect the rights of the parties' creditors.

My husband & I purchased our home in San Diego before we got married. Bought the house for $160k it's now worth $600K we now can pay cash for houses if we want to, but of course we wouldn't creating wealth is all about leveraging your money. One of the best things we purchased besides the other 2 San Diego properties that we own. We've been married for 24 years. Every case & marriage is different.

Marriage is the only way I would sign any loan with another person. But you have to make sure your marriage is solid. So many people don’t take it seriously or marry for the wrong reasons. You must be willing to commit to that person and that person must be willing to commit to you.

P Noise more to life than being rich?

Jane Baker no

You can get married and have kids. Just be smart.

Kids are priceless.

Step 5: Retire as a recluse.

LongIsland Beauty blog It is West Virginia

It’s possible to make that little amount of money as a teacher.

That’s what I make in Chicagoland.

lets not forget teachers get like 3 months off lol

King Koopa. The salary is divided over 12 months. Most teachers take classes or a work an extra job ie house painting. I come from a family of teachers and it is no financial bonanza.

For a second I thought you were singing Crash Test Dummies.

Claudia Patricia agreed I don’t know why people put themselves through this misery time after time again!

@@CerronPritchett I don’t know either

Just sell it if it's that financially draining. Honestly, if I was her, I wouldn't sign a new legally binding contract (most LOCs are usually 15 years) with my soon to be ex either since you are in the process of getting divorced. Who will be getting the rental property? Or will it be sold? Her attorney may have advised her against this for many good reasons. She will be liable if you get the property and were to default on the loan. Even if you get the property in the divorce and never default, it will still show on her credit report as a liability owed. It will still affect her credit score. Being divorced doesn't change that.

@@hildadimarco8154 All good points! Only a fool would refinance a realty mortgage when about to divorce. In most situations it is better to sell the realty, short sale if necessary, and deal with any deficiency debt as an unsecured debt in the divorce distribution. However,they must also look at the tax implications of a sale to make sure all of the potential debt related to the realty is covered in the divorce.

Medical Opinions don’t be a hater! 🤣🤣🤣 You should have joined the military to get our benefits. Free school while you’re in, using Tuition Assistance. Get paid to go to school, using the GI Bill. Get a VA loan with a lot of breaks and able to use the loan 3 times. Travel for free! Free housing if you live on base or extra money for housing to live off base. Money to eat every month. Then we have sacrifices like deployments. You had your choices in life and we had our choices in life.

I believe there is a VA fee that is tacked into the loan... That 0% down payment is not free.. also they had to serve.

Yup, that Funding Fee of about 2%. Used the va loan twice now.

It's not 0% interest. It's 0 down and you are charged thousands as a fee for the loan. Have had two. The main benefit is being able to get into a house when you don't have a down payment or work history and can't get financed by other means.

3% down with FHA loans....which civilians qualify for.

A married couple is one legal entity, my wife had to sign on my VA loan, or sign waiver of marital rights.

Benjamin123678 V NO! Home Loans and disabilities are completely separate departments.

Divorce is not up to you. It is up to the person who initiates the divorce, and they can do so for ANY reason or no reason at all. You could objectively be the perfect spouse, and still get divorced.

The husband gets to pay. And you see what quality divorce lawyer she got.

michael weyenberg That’s probably why he can’t afford to pay for the house

The problem is the house probably won't sell for what's owed on it so someone either has to come up with the difference or convince the lender to do a short sale. And probably neither party has the income/credit to do a refinance.

Um yeah. That is what the guy is.

what?

Lesson is Dont get divorced.

@@beautifulday1563 That's not up to you. There is nothing you can do if your spouse wants a divorce. Even if you never did anything wrong, there is nothing you can do to avoid a divorce. You can't force marriage counseling.

@@carultch couples counseling in a bad marriage does practically zero to fix things; professional counselors know this