i need some important advice

[pnance]

I agree, if possible get an attorney and get your name off the house by him either buying you our or just selling it. I've run into this with my roomates. Because housing in CA is so expensive 3 of us went in together to purchase a house. I let them handle the morgage without thinking much about it. Then come to find out they've beem 30 days late on 3 of the payments. I was livid, since they never mentioned it to me, I found out when I went to buy my car. Needless to say I now handle the house payments or anything that pertains to my own credit. Never again will I trust someone else to deal with finances that will effect my own.

[Donnaj4962]

I just thought of another possible way for you to get some assistance. Does your community have "211"??? Our local United Way sponsors this program, which is a number for residents to call when they are looking for assistance and are uncertain where to start. It is worth a try. It may or may not be sponsored by your United Way.

I work for a local non-profit (we serve seniors!) and are a United Way partner agency. We often get calls for people looking for something and they call us! We usually refer them to 211 if we can't help them. I should have thought of this for you yesterday, but I was having a dumb*** attack I guess! Sorry, but I hope better late than never!

[emily_the_spoiled]

The other place you might want to consider looking at is your local law school. If you live in a community with a university that has a law school, they run clinics where the student lawyers "practice" with oversight from the professors. There are usually sliding payment scales for the work. So it might be worth looking into...

[Sara luvs her Tinky]

Thanks again everyone for the advice.

I pm'd Johanna.. but It doesn't seem like it took. I went to my "sent messages" folder and I don't see it there.

[Pam]

I think it just means that you PM boxes are full. I tried to PM you the other day and got the message that you box was full. Try deleting a few messages.

[Sara luvs her Tinky]

I think it just means that you PM boxes are full. I tried to PM you the other day and got the message that you box was full. Try deleting a few messages.

o.k.

thanks Pam!

[Maresche]

Are the late payments showing up on your credit report? You can get one free a year so it may be worth checking. If it is showing up, you may also want to call the credit agencies and tell them what is going on so they can add a note to your credit report. That way, if you do need to apply for credit at some point in the near future, they'll know why late payments were made.

I agree with the suggestion of checking out a local law school for advice/help clinics.

[Logan]

Unfortunately, this is not an uncommon problem, Sara. I did the same thing. I deeded over my interest in the house, but my name stayed on the mortgage. Thankfully, my ex husband is very responsible with financial matters and always paid the mortgage on time, so it was never an issue for me, but it would have been had I tried to buy another house while he still had that one because the payment would have still shown up on my credit report.

As long as your name is on that mortgage, you will always be responsible for payment, regardless of what your divorce papers say. The same goes for any other joint accounts (credit cards, car payments, etc). In my business (finance), I have found that many people believe that they are not responsible because the divorce decree says that the other party is responsible. Its just not true, unfortunately.

I wish you the best of luck getting this taken care of.

Logan

[Cataholic]

Sara,
I tried to pm you a few days ago about this. It IS a major problem, and one you DO need to address right now. While I feel you could file your own Motion for Contempt, I think, with your current situation, you might be better off seeking an attorney's assistance. If you would like more particulars, email me, or pm me (or call me!!!).

Johanna