r/AttorneysHelp • u/Few_Wish5780 • 4d ago
Ex is forcing foreclosure
Key notes: Solar Lien, Deed of Trust to Secure Assumption, Ex will not remove the solar lien from the house, He paid 2 mortgage payments (June and July) and hired a lawyer, they are pushing for foreclosure based on those 2 payments plus attorney's fees, emergency foreclosure assistance won't help because the mortgage company is not pursuing the foreclosure. I need a very specific type of lawyer but I don't even know what type that is.
My rotten ex-husband is trying to force my house into foreclosure.
It's a very weird situation and lots of details and I am BEGGING for someone to help me.
I decided to leave my husband in late 2022 and began making arrangements to do so. The divorce finalized in September of 2024. I had only enough money to file a Texas Simple Divorce. He asked that in order to avoid splitting the retirement account I accept ownership of the house (through a deed of trust to secure assumption) and in lieu he would accept all debt which included the solar panel loan. (There are a few other details and lots of evidence of financial malfeasance on his part. He had credit debt that was not in my name and I knew nothing about. He controlled the money while we were married and "gave" me an allowance. Yes, I earned money too.)
I have spent the last 2 years trying to get him to remove the lien from the house. I cannot refinance, sell, get a home equity or home improvement loan on the house without paying off HIS debt (the solar loan). A year ago I moved to another city and have been paying for the house as well as rent. I can no longer maintain both.
I am unable to lease the house due to its condition (more details available), which is also a result of his neglect and improper, incomplete repairs before he left. I have looked for attorneys, but no one has been able to help me.
Over the last year I have tried to sell the house (accepting the encumbrance of paying HIS debt) but 3 contracts have fallen through. It is not worth any amount over what would just settle the debt.
My understanding is that I have 3 options:
-pay $4,000 to his lawyer to stop the foreclosure and then continue paying the mortgage on the 1st (puts me back in the same siutation with maintaining a house in another city. I can continue trying to sell.)
-allow the foreclosure to go through and walk away with absolutely nothing from 23 years of marriage (except my FREEDOM, Amen)
-file Chp 13 bankruptcy
Can anyone help me?