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  1. #1
    Join Date
    Dec 2007
    Posts
    3

    Default Boyfriend Filed for Bankruptcy

    My question involves real estate located in the State of: Alabama

    Hello,

    My daughter purchased a home with her boyfriend several years ago. In December of 2007, they went their separate ways, and he kept the house. He tried to push her into signing a quit claim deed on the house, we told her not to sign it unless he was willing to refinance the house only in his name. His credit would not allow him to do so.

    A year later (December 2008) he calls her and tells her that he is going to be a little late making the mortgage payment. She got suspicious because she'd been been giving him money all along to help him pay utility bills, etc. She calls the bank and finds out that he hasn't made payment since the summer of 2008, so he's more like 6 months behind in the mortgage. She confronts him about this, finds out that there is other stuff that he's behind on too.

    Long story short, he filed for bankruptcy, and included the house in the bankruptcy. Now the bank is foreclosing and coming after her. My question is, how much of this is she liable for? When he filed for bankruptcy, did that dump the whole burden on her?

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Boyfriend Filed for Bankruptcy

    If she's on the mortgage, she's jointly responsible with him for every cent due to the bank. His bankruptcy can partially or fully remove his responsibility; it does nothing to diminish hers.

  3. #3
    Join Date
    Dec 2007
    Posts
    3

    Default Re: Boyfriend Filed for Bankruptcy

    Thank you for the response. Not exactly good news, but at least she will know where she stands.

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