Ok. Fake document is strong maybe. It was a real document. Saying he no longer owes her money even though he does.
So he could say, "I am not paying you anything, not another cent!" and she would have no recourse bc she has submitted a very official legal document that is a total lie.
I'm confused. Didn't she help him out by taking her name off so that he could get a loan? Why should he still not have to py when she did him a favor? Maybe I am totally reading this wrong?
No she did not help him out.
They were both on the mortgage. She wanted off after the divorce. Because he owed her so much money the lender said no, she could not come off. Her X doesn't have enough money for both debts so OP has to stay on mortgage.
OP sends lender a FAKE document saying her X no longer owes her money.
Lender says "oh! ok without that additional debt he can afford the mortgage without you. we will take your name off now!"
OP essentially tricked the lender into letting her off the hook. And sacked her X with a debt she AND THE LENDER knew he could not afford. And now has the balls to be upset that her shady fucking behavior means her repayments are late. Which is exactly what the lender was trying to avoid in the first place!
I don't know much about law, but couldn't she be charged for fraud for that?
Ok. Fake document is strong maybe. It was a real document. Saying he no longer owes her money even though he does.
So he could say, "I am not paying you anything, not another cent!" and she would have no recourse bc she has submitted a very official legal document that is a total lie.
Yes. AND she cooked up this idea with the loan officer, so I'm guessing that the two of them worked it out and hush hush and didn't explain what actually was happening to the xh. I get the feeling it was all, "Actually we worked out a way for you to get approved for the mortgage! Silly us! We missed this the first go round!"
NW - yes, which is what every lawyer on this board told her. Thus the DD. I even feel kind if bad for rehashing it here.
MrLittleSomething - I have no idea about the student loan thing. It might be weird. What is more weird is how THAT is the question you walked away from that thread with! Lol.
I actually don't know if her ex could get the money back. SueSue might. I am inclined to think he cannot because he did not actually pay her back once already, she just pretended he did. His best option is to just quit paying, because she now cannot go to court and demand he pay a debt she signed legal documents stating he had already paid. Or he could report her for fraud, but that's risk for him. I really can't believe the loan officer did it.
What is this debt that he owes her? That's what I'm confused about.
My portion of the equity in the home.
He would of have to sell and move to pay the judgement. This way he could stay in the house, which was important to him. He wanted to stay and have it in his name. I wanted my name off.
Well now I am confused! Do you want this thread to die, or do you just want to be in control of what's posted?
I didn't read the OP, so take this with a grain of salt.
I just don't understand being upset about him not paying you back in a timely manner when you did something fairly shady to begin with.
I mean, from what I can gather, he still intends to pay you, just not on your schedule. These are the times when you zip it and say "okay".
Yes.
I agree with this assessment. How the 'shady' stuff is being described is in accurate. The only 'shady' part is me not reminding to EH that I can't hold him in contempt. He knows his wages can't be garnished, now would I do that anyway.
No. It's all shady. You LIED to a lending company. You are indirectly tricking your ex into payments he no longer legally owes.
So your X needs more time to pay you back. Because he can't live his life, pay his mortgage, and pay the debt he owes you.
Do you NOW see why the lender did not want you off the mortgage?
Yes, I understand.
He has been able to afford his house, a new car, and several things that are considered luxury spending in the last year. He can afford his payments. In fact, after refinancing, they lowered from what they were when I lived with him.
And, for anybody who doubted me last night when I said you were just upset he is moving on you have now cleared any doubt.
You are behaving like a foot stomping child right now. You are pissed he is getting married, having a baby, and living a happy full life without you and so are throwing around threats you couldn't deliver in if you wanted to just to make him upset. Bitch move, Bree.
Okay, but this "fact" coupled with the irritation that he isn't paying you on time is kind of telling, which is what people here are questioning. You seem to want the debt he owes you to be his first and only priority.
I might get pissed about this, but I sure as hell wouldn't tell people about it...because I would know that I'm being a dick.
I could of stayed on the loan, made him sell the house, pay me my part of the judgement, and be done, but we did what we thought was right for him to stay. I didn't have to do that, as my outcome would have been the same with either situation. Either way, my name would have been off of it.
Except he doesn't know, right?
In her OP she said that in order to get her name off the mortgage she had to sign saying the judgment against her X owable to her was paid in full. She said very, very clearly "EH does not know this was a part of it."
Ever since then she has maintained he is paying it regardless bc he is a good person.
And yet she still wants to threaten to take him to court to be found in "contempt" of their divorce decree bc he will be THREE FUCKING MONTHS behind in paying off a debt to her that he DOESN'T OWE HER LEGALLY!
This is not the first time Bree has posted something awful and played the whole "small town, sheltered, innocent" bit.
And I wholeheartedly agree within whoever it was in that post that said she is just mad that he has moved on.
I went to bed before it really unfolded but that was what I was going to say. For some reason it seems it was acceptable for her to move on with lightening speed but not him. The whole he is getting married after she got pregnant, ew, part was when I was like "Oh this isn't about the money is it."
Wasn't the "concocted" document a real legal document? I don't understand how OP could get in trouble for signing off that he no longer legally owes her the money - he doesn't so there was nothing fake about it.
Do you guys all really stop paying on debts or borrowed money that you aren't legally obligated to do? There was a poster on MM who got flamed pretty harshly last year because her dad wanted her to pay back some money for student loans that were in his name and she was considering not doing it. She wasn't legally obligated, but that didn't mean she wasn't obligated.
It sounds to me like the OP basically said "I'll let you stay in the house instead of selling it and getting my money out of it now, but you need to pay me back for the equity I'm essentially lending you in order to stay there". Now he owes her that equity back. I guess it would be ideal if he understood that he's just being a morally upstanding guy at this point and that here is no legal obligation for him to keep it up - but that's the only misstep I see here. If she signed off on a legal document and he can easily pay all these bills, I don't think the bank is suffering in any way. We all know mortgage lenders have become more strict in the last few years so it's not as easy as you'd think to just walk in and get a new mortgage when you have other debts, even if you can afford all of them.
Wasn't the "concocted" document a real legal document? I don't understand how OP could get in trouble for signing off that he no longer legally owes her the money - he doesn't so there was nothing fake about it.
Do you guys all really stop paying on debts or borrowed money that you aren't legally obligated to do? There was a poster on MM who got flamed pretty harshly last year because her dad wanted her to pay back some money for student loans that were in his name and she was considering not doing it. She wasn't legally obligated, but that didn't mean she wasn't obligated.
It sounds to me like the OP basically said "I'll let you stay in the house instead of selling it and getting my money out of it now, but you need to pay me back for the equity I'm essentially lending you in order to stay there". Now he owes her that equity back. I guess it would be ideal if he understood that he's just being a morally upstanding guy at this point and that here is no legal obligation for him to keep it up - but that's the only misstep I see here. If she signed off on a legal document and he can easily pay all these bills, I don't think the bank is suffering in any way. We all know mortgage lenders have become more strict in the last few years so it's not as easy as you'd think to just walk in and get a new mortgage when you have other debts, even if you can afford all of them.
if thats how it went down, then i dont think anyone would be so judgy. but her op was all about how he didnt know. she has since backtracked that he is just so dumb that he hasnt read the documents and she hasnt pointed out to him that he isnt obligated legally to pay her. the moral aspect went out the window, imo, when she lied to the bank and like killercupcake said didnt give him the chance to be an upstanding guy despite her claims that he is.