The wheels of "justice" move sloowwwwly, thank God, so you don't have to worry about anything happening anytime soon. Just make sure you have the Clerk of the Court give you a receipt that you responded in time, for your records.
Have you talked to the mortgage company about a possible loan modification?
Yep, they said I don't make enough income at my p/t job. H said a week ago he was going to try to give the house back to the mortgage company and avoid foreclosure. But maybe it's too late for that. It feels like my H has been so self-destructive the past 2 years, and unfortunately, I'm getting dragged down too. I know Kat's been going that through too. Do I have to respond if he's the defendant I wonder? Or b/c I'm married do I have to hire an L for that too???? Karen
Since the mortgage is (I assume), in both of your names, unfortunately it will reflect on your credit as well as his if a foreclosure hits your credit report. Just getting to THIS stage has already affected it negatively (I speak from experience, unfortunately!) so the question you need to ask yourselves is how hard you want to fight to stay in the house. Do you have any equity in it, at TODAY'S realistic value?
Nope, it's worth much less now than we paid for it, well at least $10,000 less now than the mortgage or maybe more. Although I think things will bounce back, that's prob. at least a couple years. And the mortgage was just in his name, my name was on the deed and not the note (or was it vice-versa) but anyway he was on the mortgage and not me which is why I had to get consent from him for them to even talk to me (although I was there and signed paperwork same as H when we refinanced 2 years ago.) H has always been the decision-maker in our M, and I didn't really know what was going on. My fault I know. Karen
If your name is not on the Note, and you're upside-down on the house (worth less than the outstanding mortgage balance), then -- if it were me -- I would walk away from it. Let your husband worry about it. The only interest you would have in it is if there is equity in it, either now, or realistically sometime soon, so that you can get your fair share of it. I don't see either one of those being the case.
That's right, walk away, and I've already got the new rental in the country, and been packing for the move to start Wed. They asked me to give him the paperwork. I guess after the eval tomorrow I was thinking about giving it to him basically as I go into my car. He has a tendency to get angry at me when stuff happens, and I think he'll cool down after a bit. Karen
I think if they asked you to give him the paperwork then it is his mess. You may want to ask your L's opinion and maybe she can run it by another L for you. I don't know why these idiots do what they do but it certainly doesn't make our lives any more fun!
Just like my marriage I have looked at what I can do. I have done what I can and faced the facts that this is the way it has to be. I can work on rebuilding my name. I am keeping the house. Really for the best since it would probably cost more for a rental big enough for the 5 of us.
Hang in there, you are doing a great job.
kat
Me-53(and learning!) S24, S21, D18, D17 Just keep swimming, Just keep swimming. Dory
Speaking of great job......I FINALLY GOT ONE!!! Well, I had the temp job but he had just basically given me 2 weeks notice so this was great timing. It's the receptionist job at the local community college, from 11-3 Monday through Thursday so I hope to still homeschool the kids as long as I can.
It's funny I didn't know how the interview went, but I was thinking on the last interview I didn't sell myself enough (well the guy did talk for 99% of the interview in my defense), but I really worked hard this last one to sell myself and I thought I overdid it and got a little braggy maybe, but I guess not! So they wanted me to start asap, but are letting me start Thursday b/c of the move. And I want to give 2 weeks notice on my walking job so I was thinking about trying to do that also and basically go full-time the next few weeks, and finish up moving. Maybe too much?
I just got back from taking S15 to finish up his eval. Yes, lots of strengths and weaknesses with him as I thought. She said on the test she gave him something like SIPP or SIPT, that he had gotten the highest score on visual-spatial areas than anyone she'd ever given the test to. She asked us to meet with her re: the reports on June 1st, and did we want to meet separately or together. I didn't say anything, b/c it didn't matter to me, but H says I'd prefer separately. So the poor woman has to meet with us both for 2 hours each giving us the same info twice. I don't know much but she was suggesting using autism books with D9 if she attends public school she said. She didn't say anything about S15 attending public school. I'm going to see the L this week and ask her if we can schedule mediation for sometime in June. I suspect it's going to be a waste of time b/c he wants to pay little to no alimony to me, have the kids in public school, and so I doubt we will work out anything except child custody. I emailed and asked him if I could have the kids Tues. night when he normally has them so they can help with the move, and he said yes. I suggested he could take them an extra night Thursday or Saturday and he said, we'll see but I'll def. take them Friday (when he always has them).
Congratulations!! I am sure you will be happy doing the new job. So what did H say about the foreclosure documents? Isn't it funny how ex's or stbx's say they want all this time with the kids but it is only if it fits their schedules?
I know I am becoming a question lady. lol Just happy for you but know that you have this other stuff weighing on your mind. Yeah Karen!!
kat
Me-53(and learning!) S24, S21, D18, D17 Just keep swimming, Just keep swimming. Dory
Yes, congratulations, Karen!!! We knew you could and would do it.
Oh, yeah, in translation:
Good work for your S15 too. I'm not surprised at how well he did in the visual-spatial area of the testing -- that's very much a trait with AS kids in particular and to a lesser degree with most boys in general.
