Credit card debt and home no longer in my name
Posted in the Credit Card Debt Forum
#1 Feb 21, 2012
I tried this earlier but I don't think it went through. Over a year ago I signed over my half interest to my home to the co-owner. They refinanced in their name only. The amount left on the mortgage was all mine, but less than my half of the equity in the home. I could not pay the mortgage anymore. The co-owner had finished paying thier half of the original mortgage. I am in deep credit card debt and since the state where I live you can not protect your home from bankruptcy I can not go that route because it would impact the former co-owner. From what I am told the court can go back a min of 4yrs, to see how personal property was handled. This is all my doing and it would not be right for me to cause the former co-owner any more problems, since they now have a mortgage. I am moving out in the next couple of months and I will not be able to continue paying on the credit cards so I am going to stop and start saving in hopes of trying to nego a settlement for less than owed. I may never be able to pay all back and my main concern is if the credit card companys can put alien on my former home.
#4 Mar 26, 2014
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