Does anyone know, could he use community assets - like our house - towards a loan without my signature?
Not sure, although something similar happened in my sitch before my H and I S'ed. We were both on the house when we bought it. Then H decided he wanted to refinance after we were here for about a year. When the notary public official came to our house for us to sign the refi papers, my name was on nothing. All they had for me to sign was a quit claim. I was upset and couldn't understand how they could approve, let alone process, this loan without my consent or at least without my name on anything, but since the official was already here at our house and I basically felt like I was on the spot, I signed the quit claim after H reassured me that he would put me back on the house after this went through.
Never happened though. Even after bringing the subject up to H on several occasions. It was always, "Yeah, yeah, we'll do it. I'll take care of it."
Anyway, when I talked to my ATTY about what happened, he said that should've never happened - the refi should have been done under both of our names since the house was ours; not just H's. He, as I, didn't know how that could've happened the way that it did. So anyhow, the house is community property, and even though I signed the quit claim, my ATTY said because of the circumstances, I could claim "undue influence". Problem solved.
I am glad that you got in touch with a L. The date that your H moved out is VERY important. Any debt he racks up now is solely his. Personally, I would take him off your CCs immediately. Talk to the L, if you haven't already, about what to do with joint accounts if you have them. Do it right away to protect yourself.....I didn't, and my H lost (small) thousands of dollars of "our" money to gambling.
(((((Neecy)))))
Getting over a painful experience is much like crossing monkey bars. You have to let go at some point in order to move forward. ~ Joseph Campbell
