OK - Joint House Ownership Problem = help
 

Ok a close friend of mine is having this problem

she purchased an house (mortgage and still paying for it) with a boyfriend of hers, they have now split up and this as left them arguing over the house.

My friend does NOT mind what happens, they can try and sell it, rent it out or she can continue living there.

The problem is the other person keeps fucking around and not making a commitment either way.

Its been like 5 months now and her health is suffering because of this.

I wanna help her, what can I do, apart from kick the shit out of him which is quite possible but he would be straight to the police.

How can I help her?

Family law sucks the big banana.....

:(

I would rent a large Komatsu earthmover and drive it through her half of the house.

Mightn't solve anything, but at least she'll feel better.

:Graucho

lol a more practical solution?

Tell the fuck face if he aint paying the mortgage he aint getting shit. He paid while he lived there which is fine but now he's not paying so why the hell should he get anything?

I know someone trying to pull this shit as well. The person I know pays the mortgage every month, the person who has left used to pay half when he lived there but he don't live there no more, the other person pays full amount now so its her house!

Having gone thru this same issue with an insane ex here is what worked for me.

Get in touch with the mortgage copany that holds the note and let them know the issue at hand. Usually, they can accept a check from her and a check from him. This will at least keep her credit somewhat solid.

If he refuses to make any payments on the house once this suitation is worked out, then have his mail redirected elsewhere, have the locks changed, security codes changed (if any). He has vacated the premises and refuses to acknowledge his obligation.

Talk again to same mortgage company about having his name removed from the loan since he has vanished and you have no contact with the person. Not sure the process there.

How involved in her life is this guy?....does he still come by, etc?

Talk to the mortgage company most importantly. Know your options.

I had my ex refuse to sell our house, she wouldnt agree on a price, realtor, terms of sale...nothing....it was ugly I wanted to kill her at times it was so bad. She wouldnt pay the mortgage comapny on the deal I struck with them (I pay 50%, she pay 50% of the monthly payment)

Finally told her in a letter that I was letting the house foreclose after the 3rd month of her playing games. Only then she realized after her parents got involved and told her that you are just screwing yourself over to act like an adult.

We sold the house for EXACTLY what was owed on the note. That was I also avoided captial gains tax on the sale.

Never buy unless you are married, or buy alone........

let me clarify i believe they are both still paying the mortgage its just that he will not agree to a) sell it b) keep house and live with it or c) put it in her name.

Depends on what type of mortgage it is, Joint Tenancy is the most common for couples and with that type either party can force a sale of the house. She doesn't need to talk to the loan company, she needs to talk to an attorney familiar with real estate.

NEVER approach the mortgage company first. Go to an attorney and see what her options are... there may be a way to force him to sign a quit claim deed or a list of other things.

Give the mortgage company the heads up BEFORE knowing what can and can't be done is just asking for trouble usually. They have a vested interest and a problem like this could possibly cause damage to said investment... sooo they may take action themselves to repossess...