tiana
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Post by tiana on Apr 11, 2021 16:38:59 GMT -5
Apparently you weren’t correct...oops! No, I said that unless your ex is a complete idiot (in addition to being "even more stupid than you appear to be" as quoted above) it couldn't happen. I'm not going to come out and say that anyone married to you would almost have to be a complete idiot, but.... One last thing, "Don't count your Amish chickens before they hatch." Hey! I am laughing at your assumptions about myself but what I had learned is that when man is trying to insult a woman it means only 2 things and both of them are insulting to man’s sexuality so I will not say it now. However having free time I want to dissect your ‘smart’ post and here I go. sAnd he is on it, correct? And he will continue to be on it until you get his name removed, correct? Which will not happen until you get him off of the mortgage, correct? INCORRECT! That’s what I said - my lawyer called Chase and they said they do t care what deed will say. He is still ON THE MORTGAGE! Which means they can go after him if I die or fail to pay...which is why I will probably going to add my daughter to a deed... Which will not happen until you refinance the property into your own name, correct? INCORRECT! See above...per Chase JP Morgan... Getting the idea yet? NAAH! Seems like your structure crumbled from the beginning because you DONT LISTEN! Cockiness is never attractive and a sign of absence of masculinity 🤷♀️ Unless he is even more stupid than you appear to be you have zero chance INVORRECT...AS AT EVERY OTHER assumption made by you. According to my lawyer I have 100% chances and it’s not even questionable. I don’t need chances. I have rights. And so to calling me stupid - so far I had survived every disaster you were trying to scare me with...so I would say dull individuals who have no sense of adventure and living by the book and walking straight line - almost always lonely and boring. I can’t imagine what’s your pleasure in life except smiling your way to the bank? It takes a sec to see your account. Smile. THEN WHAT? 🤷♀️
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tallguy
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Post by tallguy on Apr 11, 2021 16:49:10 GMT -5
No, I said that unless your ex is a complete idiot (in addition to being "even more stupid than you appear to be" as quoted above) it couldn't happen. I'm not going to come out and say that anyone married to you would almost have to be a complete idiot, but.... One last thing, "Don't count your Amish chickens before they hatch." Hey! I am laughing at your assumptions about myself but what I had learned is that when man is trying to insult a woman it means only 2 things and both of them are insulting to man’s sexuality so I will not say it now. However having free time I want to dissect your ‘smart’ post and here I go. sAnd he is on it, correct? And he will continue to be on it until you get his name removed, correct? Which will not happen until you get him off of the mortgage, correct? INCORRECT! That’s what I said - my lawyer called Chase and they said they do t care what deed will say. He is still ON THE MORTGAGE! Which means they can go after him if I die or fail to pay...which is why I will probably going to add my daughter to a deed... Which will not happen until you refinance the property into your own name, correct? INCORRECT! See above...per Chase JP Morgan... Getting the idea yet? NAAH! Seems like your structure crumbled from the beginning because you DONT LISTEN! Cockiness is never attractive and a sign of absence of masculinity 🤷♀️ Unless he is even more stupid than you appear to be you have zero chance INVORRECT...AS AT EVERY OTHER assumption made by you. According to my lawyer I have 100% chances and it’s not even questionable. I don’t need chances. I have rights. And so to calling me stupid - so far I had survived every disaster you were trying to scare me with...so I would say dull individuals who have no sense of adventure and living by the book and walking straight line - almost always lonely and boring. I can’t imagine what’s your pleasure in life except smiling your way to the bank? It takes a sec to see your account. Smile. THEN WHAT? 🤷♀️ Laughably wrong in literally every single sentence. But, you do you....
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tiana
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Post by tiana on Apr 11, 2021 16:50:43 GMT -5
You still don't even know what you are saying. Amen brother. I just did a quick search on the subject, and took about 10 minutes to learn why removing an ex's name from both mortgage and deed is a good idea, and how to do it. Why anyone would want to be tied to an ex through property just makes no sense, regardless of how civil you are to each other. The legal ties that bind can end up dragging one or both of you down financially, if one of you cannot pay the obligation. And if one person cannot refinance alone, which is the way to remove his name from the mortgage, then selling the place makes more sense. Take the money and find something else. But keeping a house you cannot afford out of pride or spite makes no sense in the short or long run. So what if it goes to someone you don't like? His new girlfriend? What is she to you? You hooked up with someone new. Why shouldn't your ex? And if one person cannot refinance alone, which is the way to remove his name from the mortgage, then selling the place makes more sense. NO IT DOES NOT! Selling place today is the easiest thing. But inventory is so low that BUYING a place is IMPOSSIBLE! Specially in my area. My Realtor said he can’t guarantee nothing for as long g as politics will stay the way it is. So as you can see - ‘sense is not a leading sense here... But keeping a house you cannot afford out of pride or spite makes no sense in the short or long run. I CAN AFFORD IT! What gave you an idea I can’t? Because I can’t refinance? That’s really a strange assumption considering your high intelligence...🤔 So what if it goes to someone you don't like? His new girlfriend? What is she to you? You hooked up with someone new. Why shouldn't your ex? It’s HIS WIFE! I have nothing against them being MARRIED except if he dies and on deed - she is his heir isn’t she? So...NOW you see don’t you? I am actually glad she made that prenup-like document. However I want to be sure she won’t touch my property!
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tiana
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Post by tiana on Apr 11, 2021 16:54:17 GMT -5
Hey! I am laughing at your assumptions about myself but what I had learned is that when man is trying to insult a woman it means only 2 things and both of them are insulting to man’s sexuality so I will not say it now. However having free time I want to dissect your ‘smart’ post and here I go. sAnd he is on it, correct? And he will continue to be on it until you get his name removed, correct? Which will not happen until you get him off of the mortgage, correct? INCORRECT! That’s what I said - my lawyer called Chase and they said they do t care what deed will say. He is still ON THE MORTGAGE! Which means they can go after him if I die or fail to pay...which is why I will probably going to add my daughter to a deed... Which will not happen until you refinance the property into your own name, correct? INCORRECT! See above...per Chase JP Morgan... Getting the idea yet? NAAH! Seems like your structure crumbled from the beginning because you DONT LISTEN! Cockiness is never attractive and a sign of absence of masculinity 🤷♀️ Unless he is even more stupid than you appear to be you have zero chance INVORRECT...AS AT EVERY OTHER assumption made by you. According to my lawyer I have 100% chances and it’s not even questionable. I don’t need chances. I have rights. And so to calling me stupid - so far I had survived every disaster you were trying to scare me with...so I would say dull individuals who have no sense of adventure and living by the book and walking straight line - almost always lonely and boring. I can’t imagine what’s your pleasure in life except smiling your way to the bank? It takes a sec to see your account. Smile. THEN WHAT? 🤷♀️ Laughably wrong in literally every single sentence. But, you do you.... You seem deflated...don’t be! And how am I wrong if my lawyer says that’s how it’ll have to BE? Are you a ‘better’ lawyer? Don’t look at it from standpoint of rich and famous with law suits over multi-million dollars! Nobody here will be hiring...you! I can’t deal with boredom...
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tiana
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Post by tiana on Apr 11, 2021 16:58:04 GMT -5
He didn’t signed anything yet except during divorce... I just met the lawyer recently and she is working on it. And tallguy was wrong because he said ex being left on the deed is a bad thing BUT it’s actually not...as long as his name is gone from the deed.And I don’t even care about it much for any other purpose than preventing my house from becoming someone else’s except my family an asset. You still don't even know what you are saying. Yeah...like you couldn’t figure out that I simply typed ‘deed’ in place of ‘mortgage’. How hard was that to figure out? 🤦♀️
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thyme4change
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Post by thyme4change on Apr 11, 2021 18:21:59 GMT -5
If I were to write pre-nups, the entire first page would just be that the divorce can't be final until every joint account, every joint credit card, every joint mortgage and any other debt that is in both names are dissolved - either by selling assets or refinancing. If you can't refinance your mortgage, the house goes. This is a clause that every marriage needs. Many people feel they don't need a pre-nup because they have no assets. But losing money can sometimes be less detrimental than staying financially connected through debt. I would actually like to see that become part of law. Having been burned by the 50/50 split of CC debt that was still “Jointly and Severally Liable” no matter what my divorce decree said, I want to agree, but I wonder if Underwater Chloe thinks she was better off ending the Marriage and paying off the underwater house? If the alternative is staying Married it may not be a better deal. MPL’s Ex stayed on the Mortgage too and they made it work. That said, I mostly agree with you, but if you can’t pay off the debt, I think you should still get divorced. The alternative is both parties file bankruptcy, and that may not be the best decision for the parties involved. I could have sued my ex for specific performance after I paid off CC but I never bothered. It was more trouble than it was worth. A couple could divorce and enter into a refinance agreement as two single people. Or maybe their is a provision of mutual agreement, but the default is refinance as a single, or sell. That keeps people from being forced into the situation. I bet a lot of people help their ex keep a house for the kids - I am sure there is a way to work it out, but too many people get burned.
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NancysSummerSip
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Post by NancysSummerSip on Apr 11, 2021 18:47:58 GMT -5
<<So what if it goes to someone you don't like? His new girlfriend? What is she to you? You hooked up with someone new. Why shouldn't your ex? It’s HIS WIFE! I have nothing against them being MARRIED except if he dies and on deed - she is his heir isn’t she? So...NOW you see don’t you? I am actually glad she made that prenup-like document. However I want to be sure she won’t touch my property!>> You seem very hung up on her. Why? You split. Move on and don't live in the past. So what if she gets the house? You live your best life and stop wasting energy and time looking for ways to punish your ex and his new wife. And for what it's worth, she could still go after you in court if he dies and is not on the deed but is on the mortgage. She could still consider that house at least half hers. A mortgage is a legally binding and enforceable document until death do you part, at least in theory. If she survives him, she becomes responsible for making the mortgage payments and has an interest in the property, deed or no deed. She can walk into court with those papers and claim half ownership of the home because he was paying. Would she win? Maybe, maybe not. But it would cost you money and time to go to court to fight it.
The home could still be considered as part of his assets if his name is on the mortgage. The deed proves home ownership. The mortgage gives the lender the right to foreclose on the home if the loan is not repaid. This whole situation reminds me of the movie War of the Roses. The two protagonists battled over their possessions beyond the point of common sense. It's a house. Walls and a roof. Memories, sure. But you start someplace else with your new squeeze (even if you have to rent) and let go of your old life. You seem determined to use the paper trail generated by this mess to beat your ex and his wife to death.
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tiana
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Post by tiana on Apr 11, 2021 22:56:39 GMT -5
<<So what if it goes to someone you don't like? His new girlfriend? What is she to you? You hooked up with someone new. Why shouldn't your ex? It’s HIS WIFE! I have nothing against them being MARRIED except if he dies and on deed - she is his heir isn’t she? So...NOW you see don’t you? I am actually glad she made that prenup-like document. However I want to be sure she won’t touch my property!>> You seem very hung up on her. Why? You split. Move on and don't live in the past. So what if she gets the house? You live your best life and stop wasting energy and time looking for ways to punish your ex and his new wife. And for what it's worth, she could still go after you in court if he dies and is not on the deed but is on the mortgage. She could still consider that house at least half hers. A mortgage is a legally binding and enforceable document until death do you part, at least in theory. If she survives him, she becomes responsible for making the mortgage payments and has an interest in the property, deed or no deed. She can walk into court with those papers and claim half ownership of the home because he was paying. Would she win? Maybe, maybe not. But it would cost you money and time to go to court to fight it.
The home could still be considered as part of his assets if his name is on the mortgage. The deed proves home ownership. The mortgage gives the lender the right to foreclose on the home if the loan is not repaid. This whole situation reminds me of the movie War of the Roses. The two protagonists battled over their possessions beyond the point of common sense. It's a house. Walls and a roof. Memories, sure. But you start someplace else with your new squeeze (even if you have to rent) and let go of your old life. You seem determined to use the paper trail generated by this mess to beat your ex and his wife to death.
You seem very hung up on her. Why? You split. Move on and don't live in the past. So what if she gets the house? YOUve GOT TO BE KIDDING! It’s MY child’s house! I am the only one who is paying mortgage! Plus she drawn document where none of his before their marriage can become hers. I am not hanged up in her. I am hanged up on her possibly being claiming MY CHILDS house! You live your best life and stop wasting energy and time looking for ways to punish your ex and his new wife. I am the one who left him. So I am NOT punishing anybody. I am having an awesome man in my life BUT I am NOT having MY house shared! And for what it's worth, she could still go after you in court if he dies and is not on the deed but is on the mortgage. NO she CAN NOT! I have her papers about not being entitled to anything of his that he had before their marriage! She could still consider that house at least half hers. A mortgage is a legally binding and enforceable document until death do you part, at least in theory. If she survives him, she becomes responsible for making the mortgage payments and has an interest in the property, deed or no deed. She can walk into court with those papers and claim half ownership of the home because he was paying. Would she win? Maybe, maybe not. But it would cost you money and time to go to court to fight it. NOBODY is paying but ME! So there! The home could still be considered as part of his assets if his name is on the mortgage. The deed proves home ownership. The mortgage gives the lender the right to foreclose on the home if the loan is not repaid. I am NOT considering not repaying the loan. So this question N/A This whole situation reminds me of the movie War of the Roses. The two protagonists battled over their possessions beyond the point of common sense. It's a house. Walls and a roof. Memories, sure. But you start someplace else with your new squeeze (even if you have to rent) and let go of your old life. You seem determined to use the paper trail generated by this mess to beat your ex and his wife to death. You looking at the situation without knowledge of it. And funny that we just watched War of the Roses a few days ago. Lol This is a rather simple but he is being hurt little 65 y/old boy! Because he didn’t know what he was signing at the time of divorce. I am not determined to do anymore that is supposed to be done. I am paying and at the end child gets the house. Nothing more! He is having his ego bruised because I left him after 26 years of marriage for uselessness but he thinks he is a Noble Prize because his mother and aunt told him he is! WHO said that I am beating them to death? All he needs to do is sign deed transfer and I promised him that our agreement that in case he needs to leave her - he can come and live in the house:.: just imagine that I am not a villain. Just imagine.
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steff
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Post by steff on Apr 12, 2021 0:46:34 GMT -5
I'm gonna need more popcorn.
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NoNamePerson
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Post by NoNamePerson on Apr 12, 2021 6:33:24 GMT -5
I'm gonna need more popcorn. And more booze!
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tractor
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Post by tractor on Apr 12, 2021 13:36:07 GMT -5
It’s not your child’s house until the mortgage is paid off, until then it’s just another liability....
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tiana
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Post by tiana on Apr 12, 2021 14:02:06 GMT -5
It’s not your child’s house until the mortgage is paid off, until then it’s just another liability.... Thanks. It was enlightening. 🤦♀️
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tiana
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Post by tiana on Apr 12, 2021 14:06:09 GMT -5
It’s not your child’s house until the mortgage is paid off, until then it’s just another liability.... BTW come to think of that...if my child will get the house that has $50K left on mortgage...it’s still A GIFT!!! And my child’s rent now MORE than mortgage I have with insurance AND taxes included! So...NO MATTER WHAT this house is an asset because selling it - she will have money NOW! You guys talking like copy/pasting from books. But it’s real life we are living. Not a Manual...
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thyme4change
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Post by thyme4change on Apr 12, 2021 18:57:13 GMT -5
It’s not your child’s house until the mortgage is paid off, until then it’s just another liability.... BTW come to think of that...if my child will get the house that has $50K left on mortgage...it’s still A GIFT!!! And my child’s rent now MORE than mortgage I have with insurance AND taxes included! So...NO MATTER WHAT this house is an asset because selling it - she will have money NOW! You guys talking like copy/pasting from books. But it’s real life we are living. Not a Manual... What books are you reading that this thread sounds like a copy paste?
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Opti
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Post by Opti on Apr 12, 2021 19:23:46 GMT -5
I'm gonna need more popcorn. And more booze! I want Iowaswirl translating.
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steff
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Post by steff on Apr 12, 2021 19:36:24 GMT -5
it's also not a fairy tale bodice ripper where the heroine's dowry is a half paid off house with multiple deeds, a few chickens & a goat.
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tallguy
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Post by tallguy on Apr 12, 2021 19:44:00 GMT -5
BTW come to think of that...if my child will get the house that has $50K left on mortgage...it’s still A GIFT!!! And my child’s rent now MORE than mortgage I have with insurance AND taxes included! So...NO MATTER WHAT this house is an asset because selling it - she will have money NOW! You guys talking like copy/pasting from books. But it’s real life we are living. Not a Manual... What books are you reading that this thread sounds like a copy paste? The World According to Crap, maybe?
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Deleted
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Post by Deleted on Apr 12, 2021 20:46:28 GMT -5
OMG. My laugh for the day Trying to pound sense into her head is an exercise in futility. Another way to put it is...um...pissing in the wind. Opti Iowaswirl...thanks for that hysterically funny reminder. Those two could be besties.
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chiver78
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Post by chiver78 on Apr 12, 2021 20:53:51 GMT -5
OMG. My laugh for the day Trying to pound sense into her head is an exercise in futility. Another way to put it is...um...pissing in the wind. Opti Iowaswirl...thanks for that hysterically funny reminder. Those two could be besties. IIRC, Iowa Swirl was the translator...?
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Opti
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Post by Opti on Apr 12, 2021 21:11:12 GMT -5
OMG. My laugh for the day Trying to pound sense into her head is an exercise in futility. Another way to put it is...um...pissing in the wind. Opti Iowaswirl...thanks for that hysterically funny reminder. Those two could be besties. IIRC, Iowa Swirl was the translator...? She used to translate hard to understand posts when she was here.
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chiver78
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Post by chiver78 on Apr 12, 2021 21:16:33 GMT -5
IIRC, Iowa Swirl was the translator...? She used to translate hard to understand posts when she was here. yes. the post I quoted sounded like IowaSwirl and Tiana would get along well. not quite, if she was jusr translating.
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tiana
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Post by tiana on Apr 13, 2021 15:24:16 GMT -5
What books are you reading that this thread sounds like a copy paste? The World According to Crap, maybe? So you quit proving that you are right after I had dissected your post and showed you how dry and life incompatible your thinking was? 🤔
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tiana
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Post by tiana on Apr 13, 2021 15:34:26 GMT -5
BTW come to think of that...if my child will get the house that has $50K left on mortgage...it’s still A GIFT!!! And my child’s rent now MORE than mortgage I have with insurance AND taxes included! So...NO MATTER WHAT this house is an asset because selling it - she will have money NOW! You guys talking like copy/pasting from books. But it’s real life we are living. Not a Manual... What books are you reading that this thread sounds like a copy paste? I don’t know. I am not the one who keeps on posting the same things when story is changing as I live my life and there is another change! He calls our daughter tells her he was in a hospital twice last weekends and she needs to tell me to put him back in a deed or he will die. Same shit he was telling me IF I’ll leave him... So daughter is asking her lawyer friend who says I CAN put him back (nobody understands it’s in a process and he is not OFF yet) and I am asking my daughter WHY would I do that? And I am recommending her to tell him to get a lawyer because he blocked me and I can’t be explaining to him shit! So daughter said she had to try because he is her father but she understands and frankly...I am guarding HER interests here. She got it. Then I am asking what hospital he was at and she said he had not actually went. His wife just called ambulance but he didn’t go. And I KNEW IT because in Saturday he was talking drunk from 8pm to 9pm with MY friend on the phone!
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Opti
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Post by Opti on Apr 13, 2021 16:07:16 GMT -5
What books are you reading that this thread sounds like a copy paste? I don’t know. I am not the one who keeps on posting the same things when story is changing as I live my life and there is another change! He calls our daughter tells her he was in a hospital twice last weekends and she needs to tell me to put him back in a deed or he will die. Same shit he was telling me IF I’ll leave him... So daughter is asking her lawyer friend who says I CAN put him back (nobody understands it’s in a process and he is not OFF yet) and I am asking my daughter WHY would I do that? And I am recommending her to tell him to get a lawyer because he blocked me and I can’t be explaining to him shit! So daughter said she had to try because he is her father but she understands and frankly...I am guarding HER interests here. She got it. Then I am asking what hospital he was at and she said he had not actually went. His wife just called ambulance but he didn’t go. And I KNEW IT because in Saturday he was talking drunk from 8pm to 9pm with MY friend on the phone! From my POV the story hasn't changed since page 1. You want your husband off the deed and he doesn't want to be off the deed. Stuff like the above is just the current drama around him not wanting to be off the deed.
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tallguy
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Post by tallguy on Apr 13, 2021 16:08:44 GMT -5
The World According to Crap, maybe? So you quit proving that you are right after I had dissected your post and showed you how dry and life incompatible your thinking was? 🤔 You must have seen where I said you were laughably wrong in every single sentence. You did quote it after all. You could not do an intellectual takedown of someone who was falling down drunk to begin with. Another subject you are probably far more familiar with than finance or law.
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NoNamePerson
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Post by NoNamePerson on Apr 13, 2021 17:35:44 GMT -5
What books are you reading that this thread sounds like a copy paste? The World According to Crap, maybe? I think you insulted Crap.
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crazycat
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Post by crazycat on Apr 13, 2021 19:35:38 GMT -5
It’s not your child’s house until the mortgage is paid off, until then it’s just another liability.... BTW come to think of that...if my child will get the house that has $50K left on mortgage...it’s still A GIFT!!! And my child’s rent now MORE than mortgage I have with insurance AND taxes included! So...NO MATTER WHAT this house is an asset because selling it - she will have money NOW! You guys talking like copy/pasting from books. But it’s real life we are living. Not a Manual... If you only owe 50k on the house , why can’t you afford to refi mortgage in your name only ?
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tiana
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Post by tiana on Apr 14, 2021 14:46:57 GMT -5
I don’t know. I am not the one who keeps on posting the same things when story is changing as I live my life and there is another change! He calls our daughter tells her he was in a hospital twice last weekends and she needs to tell me to put him back in a deed or he will die. Same shit he was telling me IF I’ll leave him... So daughter is asking her lawyer friend who says I CAN put him back (nobody understands it’s in a process and he is not OFF yet) and I am asking my daughter WHY would I do that? And I am recommending her to tell him to get a lawyer because he blocked me and I can’t be explaining to him shit! So daughter said she had to try because he is her father but she understands and frankly...I am guarding HER interests here. She got it. Then I am asking what hospital he was at and she said he had not actually went. His wife just called ambulance but he didn’t go. And I KNEW IT because in Saturday he was talking drunk from 8pm to 9pm with MY friend on the phone! From my POV the story hasn't changed since page 1. You want your husband off the deed and he doesn't want to be off the deed. Stuff like the above is just the current drama around him not wanting to be off the deed. Sooo? 🤷♀️
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tiana
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Post by tiana on Apr 14, 2021 14:49:28 GMT -5
BTW come to think of that...if my child will get the house that has $50K left on mortgage...it’s still A GIFT!!! And my child’s rent now MORE than mortgage I have with insurance AND taxes included! So...NO MATTER WHAT this house is an asset because selling it - she will have money NOW! You guys talking like copy/pasting from books. But it’s real life we are living. Not a Manual... If you only owe 50k on the house , why can’t you afford to refi mortgage in your name only ? I didn’t say I did. I said...IF...
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tiana
Junior Member
Joined: Mar 6, 2021 9:56:58 GMT -5
Posts: 107
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Post by tiana on Apr 14, 2021 14:50:09 GMT -5
The World According to Crap, maybe? I think you insulted Crap. THAT easily amused? Hmmm🤔
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