Securing Your Future With An Uncooperative Ex
Even after the big items are resolved, there are always many other miscellaneous tasks involved in a breakup. As a coParent, if your ex is determined not to help you with those, life can become very difficult.
The issue may be as mundane as refusing to return the extra set of car keys — or something more serious and far-reaching. And sometimes the problems arise without warning just when you thought everything was sorted out.
Just think about the documentation that’s required when you apply for a new loan, especially when there may be undetermined obligations such as child support or mortgage payments. At these times, you’ll probably need to ask your ex for 12 months of bank statements to document your financial relationship. And that can pose a problem.
Loan officer Denise Fontyn describes a typical scenario. Let’s say you divorce and you do not get removed off the mortgage, and your ex-husband keeps making the payments; you go your way and he goes his way. And you go to buy again. The problem is, when your lender goes to pull your credit, that mortgage is going to be there.
When you have a divorce decree stating that it was awarded to your ex-spouse, we still are going to want to show proof that that person, your ex-spouse, has been making the mortgage payments on his own; [that] you haven’t been needed to assist with that. So, why is that a problem? Well, by that time, you hate each other. He’s going to tell you, “No, I’m not giving you anything. Too bad! I’m not going to give you my bank account information, or printouts showing that I’m making the payments.” What can you do then? Until he decides to sell or refinance on his own accord, you’re stuck.
Very few people can foresee problems like this while they’re in the middle of a tumultuous breakup. But working with competent professionals who’ve been there before can help you avoid such problems by taking the right steps beforehand.
Again, if your ex-partner won’t help, attach yourself to the people who will. The issues you’ll be facing are complex and hazardous. Don’t try to tackle them alone.