firemom31 Posted January 30, 2005 Report Share Posted January 30, 2005 We are $4,500 in arrears on our mortgage. We now have income to pay monthly debts, but not the arrears. We also had a car repoed last year and owe $3,000 on that, and $6,000 on a loan that defaulted, $ 1,000 in arrears on 2nd mortgage, $1,000 arrears on property taxes. Here's the tricky part- the house/mortgage is in my name and my ex-husbands. I was told that the BK atty can do a qiut claim and take my ex off of everything and I can file ch 13 without including my current spouse. I have tried for years to get GreenTree to take my ex off and they said I can only do that by refinancing. I understood that a quit claim would only take him off the deed, not the loan, so I never suggested that to my ex. Any suggestions would be greatly appreciated. Link to comment Share on other sites More sharing options...
LadynRed Posted January 31, 2005 Report Share Posted January 31, 2005 You can file a Ch 13 without EITHER of them.. the EX or the Current. Taking your Ex off the deed will accomplish nothing.. except to put 100% of the asset into your name. With the Ex's name on the deed, your share of the equity is only 50%. You CAN file ALONE.There's no way GreenTree is going to take any names off the mortgage unless you refi in your name only. That's just the way it works. Link to comment Share on other sites More sharing options...
Recommended Posts