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My mother in-law lives in Tennessee and has been living in the home that she and my late father-in-law purchased over 40 years ago. He ended up using the house as collateral for an installment loan he took out that still has a balance of about 85,000 on it. When he died 7 years ago, my mother-in-law took over paying the installment loan. She's in her 70's and has had some health issues and wants to stay in the house and her daughter wants to buy the house (her daughter lives in the home with her anyway) but they are running into problems getting this done because my mother-in-law's name is only on the deed to the house, not the note. What steps should they take in order to get my mother-in-law's name added to the note so that she can sell the house to my sister-in-law? She's tried reaching out to the loan company, CitiFinancial ,but they are unwilling to cooperate.
I posted this on my original thread but got no replies so I'm trying a new topic. During the BK hearing the trustee latched on to the payment I made to the IRS with cash I had been sitting on in case of emergencies. We got into a mess in 2009, husband lost his job, tiny kids, no cash, etc, credit cards, and I lost a lawsuit in February which is why the BK. So when I inherited a little bit of money in 2012 I just put it in a cashier's check in a safety deposit box and sat on it so I knew we would have cash if necessary. I am filing singly by the way - spouse is not filing. I was honest and told my lawyer about it and he said to get rid of it, so I put some in my IRA and paid our 2013 taxes. My husband is self-employed but not a corporation or anything so we file together and always end up paying every year - lump sum since I'm never organized enough to do estimated payments. The trustee decides that since the taxes are from my husband's business and theoretically I used MY money to pay them, that I am an "injured spouse" and that he is going to make a claim against my husband - this was in an email to my lawyer. This was a couple of weeks ago, and then last week I got my discharge notice, but I know he could still file a claim, right? My lawyer says he is just blowing smoke, since I would have to make the claim first, and the trustee would be second in line to me. And the rules about injured spouses seem to not apply to me since I didn't have a refund coming or anything, and we're not divorcing, splitting assets, etc. Any one have input about such a thing? I'm wanting this all to be over!
Looking for recommendations on what to do. My spouse foolishly signed a complaint against her for $2500 or so without looking into what she should do first. She has no job, no income and absolutely no prospect for work. The lawyer that file the complaint against her knows she is judgment proof but has attempted to take my state tax return for the last three years. As my wife has no income, the tax return was awarded to me. But now I believe the lawyer is going to attempt to take our (my) checking and savings account monies because her name is on the accounts. Any suggestions as to what I can/should do?