And it haunts me two years after the fact....RANT... NSR...

[Lumpy]

For anyone who cares, or for that matter doesn't give a damn about what negligence of one's own credit rating can detrimentally do to one's self read on...or just bag this crap and git to some stoke.

Instead of heading into the Northern Wasatch to track up this wonderfull, light talc that is falling now, I'm preparing myself (should be with vodka) for a consultation with a bankrupcy lawyer.

Seems that after two years departed from my dear [inject sacastic tone] ex-wife, I find that she has decided NOT to make regular payments on the house/property I left her, nor did she opt to refinance the hacienda (which I simply left her with the 40k of equity, because I was a nice guy/DUMBASS). "Irregular payments" go something like one payment every five months, with penalties and interest accruing at a rapid pace in my name...neato.

This clusterfack, I have been aware of, due to weekly friendly letters from the bank, and actually they have been understanding of the situation. However, this doesn't erase the fact MY name is still on the paper that leads to the EQUIFAX reports that future mortgage companies will not like to see.

However, the kicker in this is that the car that I had paid down to very little before the split is now back up to about 9K because she has not made any payments on it in a year. The credit union was nice enough to call me and let me know I was liable for the vehicle, penalties and ridiculously high bank sponsored insurance on the vehicle. They nicely asked when I would be paying off the vehicle....uhhhh, yeah. Done it once sista. Told them where to go repo the heap instead.

So roll to computer, spark up credit report, and have sudden volcanic churning in bowels when credit reports shows me as a serious risk due to overly delinquent accounts. Time for TUMS/alcohol.

Run to file cabinet, dig out divorce decree that states she is "responsible" for the financial management of car and house. Nothing said about she has to refinance and remove my name in X amount of time. If your names on the paper, its yours to love, cherish and pay...who's got it doesn't matter. The courts have to see the above mentioned action stated in the paper, or the one who has possesion of property can fack the other till the cows come home. And the fakking has been going on sans lube for awhile.

Big props to my divorce lawyer who steered me in the right direction for thousands of my hard earned duckets .

So, I took on all small unsecured debt out of the marriage (most translated into cash machine visits while I was on some hell hole boat in the middle of winter, subsequently traded for product cooked up in some scumbag's shitter and finally inhaled through a pen casing off tinfoil...just based on what evidence I found around the ranch) to protect my own credit rating and had been paying it off, until this little event came to my attention.

Enough blathering....KEEP TRACK OF YOUR CREDIT KIDS!!!!!!!!!! I know most of you are smart enough to do it. Just let this dumbass's negligence be an exclamation point and a reminder.

Rant over. Drinking begins.

[truth]

Lumpy...I got a guy...

[Cornholio]

Seriously. Paging D-Day!

[jayfrizzo]

That sucks, Ranty McRanterson.

I fucked my own credit in and after college and thankfully Mrs. Frizzo has been on my nuts to pay my shit on time for the past few years. Which has helped, but it's still not good enough to quailify for anything, though.

Good luck, meng.


J-

[CaddyDaddy77]

This is what I deal with telling people on a daily basis, do yourself a favor, KEEP TABS ON YOUR CREDIT!! Do not be a co-signer on loans, best friends, brothers, etc., all have the best intentions, but the road to hell is paved with.....

Sucks Lumpy, see what the lawyer has to say, and remember to document any transactions, reciepts, mailings, etc. when dealing in these matters. Keep all records for an exorbitant amount of time to safeguard yourself.

Edit:
On the mortgage end of it, or for anything that matter, keep at least three trade lines open, (CC's, etc.), and keep at least half the available balance open, and at least two years old.
Don't let payments such as car, mortgage, etc., get past a thirty day late, it's a larger hit on your credit along with it stays on your credit longer.

[Buzzworthy]

HOLY CRAP MAN!!!

[The AD]

Jesus that sucks! It seems like the properties you handed over to her would have your name removed as a matter of course during the divorce, but I guess that isn't the case.

WTF is her excuse? Do the two of you still talk at all?

[Lumpy]

Originally posted by The AD
Jesus that sucks! It seems like the properties you handed over to her would have your name removed as a matter of course during the divorce, but I guess that isn't the case.

WTF is her excuse? Do the two of you still talk at all?

The courts see what is written into the divorce as legal. However, the banks/lending institutions do not see any court approved settlement between the two concerned parties as having squat to do with what is on their books. In hindsight I should have had written into the divorce papers that she HAD to refinance the property and vehicle in X amount of days or sell them and give me half of the equity. My bad for being ignorant of that fact and my bad for beign a nice guy.

Basically I was told that she could string along the deliquent payments on the house indefinately, thus crapping my credit for however long. Options are, buy the house back once bank forecloses on it (not enough cash to do so now and who's gonna loan me the duckets with my rating due to the car). As for as the car, the repo people can't even find it, the neighbors never see it, and she doesn't seem to drive it to work...so .

AD,

I haven't talked to her since last year when the house delinquency first came up and I wondered what the heck? If she's still neck deep in the crap she was hooked on (on and off) for years who knows whats up? I just had had enough of supporting and ultimately enabling an individual who didn't want help in a horrible situation. Coupled with the fact her family for years thought I was lying about it (until she got caught in possession) and trying to pit her against the family, for whatever sicko reason... I just finally bailed and let the rock I was pushing uphill just roll on by itself...sometimes a guy just has to know when to look after his own well-being (as guilty as I felt about it then).

[The AD]

Originally posted by Lumpy
If she's still neck deep in the crap she was hooked on (on and off) for years who knows whats up? I just had had enough of supporting and ultimately enabling an individual who didn't want help in a horrible situation.

Oh boy, sounds ugly

Definitely a bad situation all around. I guess all I can say is good luck.

[iceman]

Whoa, that blows, man. What happens if the place just happens to burn down? Crankheads have been known to do shit like that sometimes.

[CaddyDaddy77]

Lumpy you may have the option to go thru a private investor for a loan to buy back the house. The rate would be higher but may enable you to re-gain some of the equity in the house. They will typically take into account the reasoning for the change in credit, debt, etc.
You could possible secure the house at a higher rate in the short-term and get it on the market and cut some of your losses that way. Anyway she would quit-claim it to you?


Sounds like a really bad situation, left a relationship years back that was basicaly destructive. I tried to help, and get her to help and I was seen as an ass from her family, saw her brother two years ago, she had been in rehab for the last year, finally came clean. Some people can't or won't accept help no matter the consequences.

[irul&ublo]

I addition to or concurrent with the b/k, you might want to look at a modification of the divorce decree to grant you her interest on the house and other property you are still on the hook for.

[meatdrink9]

It sounds like a killing spree is in order.

First of all I'd track down your ex-wife and do anything and everything possible to cut you loose. If she won't, you'll have to start playing really dirty. This situation you're in is BS. Anybody can recognize that but technicalities have you fukt. If your name is still on the house move some homeless guys in. Let frat guys throw parties there. Find out when she's at work and fill the place with roadkill carcasses. Go steal anything and everything you want from the place. If she can't trust living there...why would she. She'd leave. Either she does the right thing and let's you off the hook or you use what she has against you to your advantage.

[mr_gyptian]

what Caddy said.

is there anything more messy than a divorce?? I swear everyone I encounter in my business can't take a loan on toilet paper after a divorce.

[phUnk]

If you can't really work things out, credit-wise, you can hide out in our basement.

Seriously, we got these rooms with these hooks and chains on the wall
for hanging your stuff, I imagine.

Let me know. We'll hose Truth's little late night "incident" off the army cot and you'll be good to go.

You're not allergic to spiders, (specifically their bite,) are you?

Kisses,
-phUnk

[Viva]

Some fuked-up shit there, Mang. Best of luck in achieving some kind of resolution to this mess.

Here's some stoke for ya:

http://graphics.fansonly.com/photos/...-123003/10.jpghttp://graphics.fansonly.com/photos/...l-123003/6.jpghttp://graphics.fansonly.com/photos/...l-123003/4.jpg

[Odin]

Note to self:

1. Don't get Married

2. If get married, no joint filing/applying for anything.

[seldon]

I'm sorry. It's all I can really say. Good luck to ya

[Snow Dog]

Originally posted by Viva
Here's some stoke for ya:

http://graphics.fansonly.com/photos/...-123003/10.jpghttp://graphics.fansonly.com/photos/...l-123003/6.jpghttp://graphics.fansonly.com/photos/...l-123003/4.jpg

Sorry, men in spandex grabbing each other doesn't work for me.

[Viva]

Originally posted by Snow Dog
Sorry, men in spandex grabbing each other doesn't work for me.

And here's a little treat for the real men of TGR:

http://www2.victoriassecret.com/imag...ri/V224278.jpg

Edit: looks like there was a time-limit on that oil wrestling pic I originally posted here.

[The Jackamo]

^yes... yes, we are men

[truth]

Originally posted by phUnk
If you can't really work things out, credit-wise, you can hide out in our basement.

Seriously, we got these rooms with these hooks and chains on the wall
for hanging your stuff, I imagine.

Let me know. We'll hose Truth's little late night "incident" off the army cot and you'll be good to go.

You're not allergic to spiders, (specifically their bite,) are you?

Kisses,
-phUnk

That was supposed to be our little secret. Oh, and by the way, that rubber mask of yours somehow ended up in my ski bag. Do ya want me to fed-ex it back to ya or should I just bring it for the mini?

[Lumpy]

Met with lawyer yesterday...several options none of which are too juicy fort he short term...ya, don't get married unless you do the pre-nups ... Thanks for the stoke and advice folks. Gotta run for work...more lata'.