My ex-wife filed Chapter 7 bankruptcy and vacated the home we jointly owned last October. I just found out when I couldn’t make my mortgage payment online. The divorce decree awarded me the home, but the mortgage is still in both our names. What can I do to protect my home?
It’s great that you’re seeking legal advice! Have you looked into whether your ex’s bankruptcy included the home?
Sky said:
It’s great that you’re seeking legal advice! Have you looked into whether your ex’s bankruptcy included the home?
Yes, understanding that is crucial. If it was included, the lender might need to know.
If you were awarded the home in the divorce decree, that should give you some protection.
Oli said:
If you were awarded the home in the divorce decree, that should give you some protection.
Absolutely! Just keep making those payments like you’ve been advised.
Did you file the quitclaim deed after your divorce? That could affect your rights.
Miller said:
Did you file the quitclaim deed after your divorce? That could affect your rights.
Yes, if the deed is filed, it reinforces your claim to the property.
Consulting your mortgage company about assuming the mortgage is a smart move!
Finnian said:
Consulting your mortgage company about assuming the mortgage is a smart move!
I agree! Removing her from the mortgage could simplify things.
Make sure to document everything regarding the mortgage payments and communications with your mortgage company!
Flynn said:
Make sure to document everything regarding the mortgage payments and communications with your mortgage company!
That’s a good point! Having records can help if disputes arise later.
Consider reaching out to a local bankruptcy attorney for guidance. It can help clarify your situation!
Nico said:
Consider reaching out to a local bankruptcy attorney for guidance. It can help clarify your situation!
That’s a solid suggestion. Local lawyers can provide specific advice based on Michigan law.
Is there any possibility that your ex might try to claim the home again after her bankruptcy?
Sage said:
Is there any possibility that your ex might try to claim the home again after her bankruptcy?
Her bankruptcy shouldn’t allow that since she no longer holds any ownership rights.
Don’t forget to check the specific timelines and deadlines related to her bankruptcy!
Val said:
Don’t forget to check the specific timelines and deadlines related to her bankruptcy!
Yes! Timeliness can be crucial in protecting your interests.
I’m relieved to hear the mortgage company advised me to keep making payments. It feels like I have a bit of control!
Mai said:
I’m relieved to hear the mortgage company advised me to keep making payments. It feels like I have a bit of control!
That’s a good start. Keeping up with payments shows your commitment to maintaining the home.
Have you thought about selling the home instead of assuming the mortgage? It might relieve some pressure.