Question in Florida asked:
I was divorced in September 2008. Ex-husband signed a quit-claim deed and I retained the home, along with the mortgage and home equity loan that were in our names. I have been paying this debt on my own since. My ex-husband filed for bankruptcy on Jan 30, 2010. I called two bankruptcy attorney’s to see what I had to do to protect myself and my investment.
I was divorced in September 2008. Ex-husband signed a quit-claim deed and I retained the home, along with the mortgage and home equity loan that were in our names. I have been paying this debt on my own since. My ex-husband filed for bankruptcy on Jan 30, 2010. I called two bankruptcy attorney’s to see what I had to do to protect myself and my investment.
1st attorney: do nothing, just keep paying the mortgage and home equity
2nd attorney: do a reaffirmation (which my ex won’t sign) or refinance, which will cost me thousands of $ to do.
So here’s my questions:
1. If I have to refinance can I go after my ex for 1/2 the costs considering in our MSA there was no notification I had to refinance at the time and he was okay with that.
2. Which attorney should I listen to?
Help! Desperate and running out of time in Florida!
Heidi
Gilbert
The first one makes sense, you should not be affected in any way if you keep paying your mortgage.