i am trying to buy a house and my ex-husband was to pay off old joint loan but didnt and I never got anything in writing during the divorce to state this agreement. now I need to try and settle and see if they will remove if I pay it in full.Loan is w/american general financial
121203
OK, I'm assuming that you have a entry on your credit reports for this debt...what is it listed as?  American General?  \n\nCan I also assume that you have already attempted to contact them by phone and mail?  No response?\n\nOkey-dokey!  Easy problem.\n\nSend a letter to the credit agencies demanding that they verify the debt and/or remove it from your records.\n\nThe agency will have 30 days to locate who owns the debt, and to verify that it is a legitimate debt.  If they find them, they will supply you with that information and you can pursue payment options with that company.\n\nIf they do not get a reply from them, then obviously they can't verify the debt.  By law it must be removed from the credit history.\n\nBe sure to check all three agencies to see if this debt is listed.  Go to www.annualcreditreport.com and get copies of them.\n\nGood luck
139098
Contact the company directly and give them supporting documents to prove it is only one and it is too old. Ex: cancelled checks to show payment. And in the future after repaying an old or even a current debt, always ask them to send you a letter showing a zero balance. That way when there is confusion in the future you have proof it was paid and the date.
524866
There isn't much you can do without a written agreement.  If you have some record of the first two payments you might be able to take her to small claims court but then you would have to do it locally so that might not work for you.
351447
How did you manage to "forget" that you had a HELOC?\n\nIn your Affidavit of Title, you would have had to swear that there were no other outstanding mortgages or liens, etc that were not being paid off with the sale.  You had a duty to inform them of any known items that did not show up in the title search.  \n\nOccasionally documents are filed in the wrong county, etc so they don't show up on the search.  That in no way absolves you from the responsibility of paying.\n\nPay off that HELOC right now and close the account, and make sure the discharge is filed.  It is your only hope of not getting sued for fraud.
645984
Yankee has it right.  Regardless of who is on title, the original Trustors (the people who took out the loan) will remain the same and will still be liable for the loan.\n\nYou can, however, as a long shot, ask the bank to do a modification of the Deed of Trust and take you're ex's name off.  It's rare they'll do that though.  They'd rather make money on having you refi.
217973
I would file tommorow if I was you, once they get a judgement you cant include them in your bankruptsy. I just filed in october and it was over in march. I downloaded the forms from gov.org website and did it myself, I filed it myself and included a form to ask the court for a payment plan for the court costs which were $187.00, to be made in payments. We filed chapter 7, and because we didnt have more than 25% equity in our home we got to keep it. We wernt behind on that bill. So we just keep on paying it like usuall. We got to keep one car for each of us. Both were already paid off. My husband had one judgement that was not allowed to be discharged. And our home equity loan and mortgage was not entered as a discharge, because we are still able to pay for that. We got $69,000 dollars worth of debts discharged (meaning we don't have to pay them)The day you file, you have to pay $50 dollars toward the total if you file the form asking for the payment plan. The forms are kinda hard to understand at first.The packet is about 20 pages. One ask to list all secured debts, which are home loans or car loans. And then you list all your unsecured debts on one page meaning credit cards and hospital bills and the like with all the totals and names and addresses of the debtors, and then a page to list your income and what your personal assets are like jewlery, art work etc. Just work one page at a time, you can do it. But work fast before the judgement, and don't tell them you are doing it. The day you file you and get a number you are protected from them harrassing you, calling you or sueing you. The papers are free to download of the government web page. You have to decide which one to file chapter 7, 11, 13 depending on you particular circumstances. 7 is total and if you own more that 25% equity in a home they can sell the home to satisfy the debtors. 13 is a repayment plan I think. And state to state has different rules. Now you have to have credit counciling to, I think. The second web site has the forms free to download and the rules of the credit counciling and a listing of the individual states that you would live in. I hope this has helped you. Remember the law was set up for you to help you, when you cant pay the bills. Dont let anyone shame you. Its your right to file..
470218
If you were told that your payments would not change, I can only assume that yor plan is being paid pro-rata. This means only a portion of your unsecured debts are being paid back. This is usually due to the debtor (you) having a low income, and/or little equity in property. Depending on the equity available in your house, the payoff the court receives will probably not result in a full payoff of your debts.\nTrust me, if the full 100% of your debts gets paid by the sale of your home, your case will be concluded and you will not have to continue paying.\nWhat is the homestead exemption in your state? Keep in mind that you will be entitled to that exemption, and will receive that money from the sale of your home. In NY this exemption is $50,000. ask your attorney about that exemption.\nIf YOU sell your home, and you think that you will get enough money to payoff the BK, simply request a payoff figure from you trustee. At closing, the trustee is cut the check, and your bk is concluded.\nIf you surrender to the court and let them sell it off, they will do the same thing, but there WILL be more fees added due to the expenses the court incurs while selling the home.\nGood Luck, and please be sure to consult your attorney.
391235
Has the lien been reported to your credit?\nIf not, pay it off. If so, consult an attorney specializing in real estate.
413069
This is a sticky situation. First, I'm going to assume that your husband was on the original note and mortgage with his prior wife, therefore, he is obligated to make those payments when she does not, regardless of the divorce decree. It's crummy, I know. Sure, she can be held in contempt, but that really doesn't help you and your hubby out. My suggestion is this: Call the mortgage company that holds the note. Or rather, have your husband called. As he is on the note, he has a right to access any of the information. Have him explain the situation to the mortgage broker and find out what help they can offer him. Next, find an attorney that will sit down with you and find out what they suggest you do legally with the ex-wife. \n\nI can relate, as my divorce attorney suggested that all I needed to do was sign a quit claim deed to "remove" myself from the property. Luckily, working in the industry, I did know better, but it really bothers me that this is so common. Please keep us posted, I'll keep you and your hubby in my thoughts in the hopes that this works out for you.
752
You might have a hard time.  Regardless of your marital status at the time of signing you could still be what is called tenants in common.  Any two people can be tenants in common.  Go back to your original contract and read what it says.  If it names both of you and both of you agreed then you are probably tenants in common.  Each having half undivided interest.\n\nBut this also means she would be responsible for half  of anything like taxes, mortgage payments and any other expenses with the property.\n\nAbout the only claim you can make to the property would be adverse possesion in he half interest but it might be a stretch.\n\nBut after 25 years of no payment of duties it might equal her half interest anyway.\n\nI would ask for accounting and partition....but see a lawyer.
467466
Your best bet is to call your lender and work out a deal. When someone defaults everyone loses - the borrower, the lender and the taxpayers. It's in everyone's interest for your to start paying before they start garnishing your wages.\n\nYour lender has dealt with this kind of situation before and will have a process in place to help you.
397892
Not unless you are applying for a joint loan or are a co-signer.
432742
Danny, have you talked to your trustee about this. If they were to be making the payments, if I were you I would be asking where did the money go to. I would contact a lawyer. I would think you would have some kind of re-course. Good luck to you.
289470
I don't understand the sheriff in this. If they told you this then it is probably not true. Just another scare tactic. Get the amount in writing first, on their letter head and signed by someone there. Then and only then give them any money to settle. Get a cashiers check for that amount. Make a copy of that and the letter. Send the Cashiers check to them over night. Then once posted to your account then have your loan officer obtain an update on the account from the credit company they pulled from. This will take about 5 days total to complete. He or she can then re-pull an updated credit report to report the settlement was accepted on this account. Retain all information in a file for any further discussions with the collection company.
607389
I had a judgement filed against me. I paid the debt. I am now in the process of debt recovery. I did find out that when they file a judgement, you can call the lawyer in charge of the action and talk to them about debt repayment. The interest didn't mount up either after the judgement was filed. The only draw back is that they keep it on file for the next 6 years after the debt is satisfied
317697
You need to contact the company that financed the lease, they are the ones who will remove the lien.  They will send you a letter saying the loan is paid in full also.
538263
First let me clarify.  A mortgage loan is comprised of 2 main documents; a promissory note and either a deed of trust or a mortgage.  What your girlfriend may have done was to add the man as a joint holder on the title to the property   Doing that did not did not in any way relieve her from responsibility for payment on the promissory note.  Any delinquencies on the payments on that debt will be accurately reported in her name as she is solely responsible as the only signer on the note.\n\nIf, by chance, she signed the property over to him solely, she is in a real jam because as sole title holder he can sell the property without her consent so, in effect, she is responsible for the payments on a home she doesn't own.\n\nIn either case, her mortgage delinquencies may make it very challenging to find mortgage financing on a new home at a good rate and a reasonable cost.