I've met a young lady in need of some help and want to know if some of what I've been made aware of is possible/probable regarding a divorce proceeding as well as a foreclosure.
Facts/Story as I know them..... Naturally it is one side of a story.
a) She filed for divorce and custody of her 2 children over 6 months ago in central Texas. She has a Lawyer but he seldom responds and she feels she is not getting adequate information.
b) Her husband is active duty military.
c) They were separated for 6 months before he deployed last fall after she caught him cheating on her.
d) She and the kids currently live in the house they bought in 2007.
e) When he deployed he quit making the payments on the mortgage by stopping the allotments. There has not been a payment made on the house since Oct 2013
f) He also cut her off financially until she filed for divorce and got emergency orders that generated under $900 a month in Child Support.
g) The Mortgage has got to the point where foreclosure has started and the financial Institution is returning checks she sends them. I've not heard of this before. It is a VA backed home loan and there are supposedly stipulations regarding everything being frozen procedurally because he is deployed. Her name is on the Deed but not on the Loan Papers and the bank will not communicate with her.
h) He also has filed some documentation in the Divorce case that has stalled it in it's tracks while he is deployed.
I understand there are a lot of new laws enacted in the last few years that protect our service men when they are deployed so I guess it is possible.
He has had some very ugly exchanges with her via text and in some chat program that she has saved. In them he has basically stated that he intends to "lose" the house to totally destroy her credit and future.,... He seems to think he will be able to recover much easier than her.
He has also conveyed to her that he has no problem letting the divorce go through.
However.... He is trying to get discharged and on a disability that will mean a lowered income and he is delaying it solely to lower the amount of child support he would get tapped for.
If that is not shitty enough...... His vindictiveness will end up being the ultimate cause of destroying her credit (his as well).... The property they purchased was in an area that has seen very good growth in property values and they have more than enough equity in it to pay off the mortgage even with the late fees and penalties assessed to date.... and STILL have equity to pay off all their credit card debt.....
Although she has the ability to list the property and get an offer, the offer cannot be accepted or the contract executed without his signature.
1) My thoughts here are that if she at least listed the property and got an offer and had it presented to both the Mortgage Company and the Court that a Judge could order the sale of the property?
Or at the minimum take all of this into account and assign him all the debt in the divorce although not all creditors will be agreeable and she will face years of dealing with collections....
2) The correspondence she has from him that clearly shows the meanness and intentionally thought out manner in which he is using his status as being deployed to delay the divorce till he can get discharged and on a disability as his only income during the remainder of the proceeding could possibly influence a judge.....
A little more insult to injury here......
This guy is not a front line soldier in harms way...... He is stationed on a ship, making port calls and enjoying liberty in a variety of places. He regularly updates his facebook page with pictures of him and the bar girls he is enjoying everywhere the ship puts into port.....
In many comments he takes shots at her for filing the divorce and giving him the new found freedom to enjoy life.
This is a true piece of shit..... using the system to destroy a woman and negatively impact his kids current life....
Any thoughts? ideas?
IMO she needs a much more aggressive attorney unless others can support the idea he puts forward that his hands are totally tied...