'She's bankrupt, I'm debt free': Boyfriend serves epic karma to cheating girlfriend by playing the long game

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  • 01
    Joint - Posted by u/snappythefirst 5 hours ago She's Bankrupt, I'm Debt Free
  • 02
    Font - About six years ago, my former partner of six years and I broke up, and I started to realise all of the things I had normalised were actually abuse. Instances of gas lighting were all too prevalent (even one instance where she gaslit me about what gaslighting even was), financial (she could spend what she wanted, I had to ask permission), even limiting time that I spent with my family and my best mate. There was more, but that's enough of that.
  • 03
    Font - After we broke up, I realised that money I had continued to place into our joint account wasn't going to the mortgage as promised, but was going to shopping, paying for her new partner (who, it turned out, was on the scene months before we split...and wasn't the first!) and payments to her lawyer.
  • 04
    Font - When I found this out, I called the finance company handling our mortgage and told them I would no longer be making payments. I told them they could sieze the house if they wanted, but my half of the payments would cease immediately until I had recouped the money stolen, roughly five months worth of payments.
  • 05
    Font - They said I couldn't do that. I told them to watch me. Soon after that, when the debt letters and dishonours started, the texts, phone calls, and voice mails from her started....I ignored every one. Two months in, I heard her car broke down badly because she couldn't afford to maintain it. Not long after that, she filed for bankruptcy.
  • 06
    Font - A month later, she moved out and I got my house back. I cleaned it up, changed the locks, got my mortgage back in front....and recently my wife and I sold it for a tidy little profit. She got nothing. Not a dollar, not a dime. She has no usable credit rating, and my wife and I are debt free with a deposit on our new home. Feels good.
  • 07
    Font - snappythefirst OP • 2 hr. ago Prior to our split, I made sure we were putting in more than the repayments so we'd be in front if we ever had some sort of financial crisis. I was way too stupid and trusting after the break up, and it wasn't until the advance payments were all eaten up that I found out. There we many lessons learned. I'm just forever grateful we didn't have kids.
  • 08
    Font - . 4 hr. ago snappythefirst OP Not in the US and the loan was through a finance company, not a bank directly. And I knew no money was going into the mortgage because I had access to the online statements for the mortgage. Oh, and they called me every other day to ask when I'd start paying the loan again.
  • 09
    Font - ArtOfRuinN23 - 5 hr. ago This did not hurt your credit score? Reply Share 239 snappythefirst OP . 5 hr. ago. edited 4 hr. ago Strangely no. I closed the joint account and stopped all direct debits. I organised a payment plan, got the mortgage back in front. All the while I continued to pay my other loans on time. I fully expected to take a hit, but my borrowing power remains untarnished.
  • 10
    Font - B Fast_Fee517 +2.5 hr. ago Very well executed plan. Nicely done
  • 11
    Font - RedGhost3568 - 2 hr. ago Honestly what a champion move. Over here your credit rating would be torched pulling the power move you dropped the mic with!
  • 12
    Font - hymie0 2 hr. ago My wife was in your shoes with her first husband. She was employed, he wasn't. When they broke up, she gave him two choices -- either he moves out and gives her the house, or she moves out and stops the mortgage payments. She had her parents' house to move into and the wherewithal to deal with a bankruptcy on her record if she had to. In the end, he traded the house for a year of alimony payments, which she happily paid to get rid of him.
  • 13
    Rectangle - curlytoesgoblin +1.4 hr. ago If you're in the U.S. don't do this. All the laws and regulations regarding property, financing, contracts, etc., are a lot more complicated than "I don't want to pay any more and you can't make me." Talk to a lawyer. but I can't affFoRd OnE -- you'll pay more if you don't.
  • 14
    Human body - Stormwind4Ever. 5 hr. ago Congratulations on a well executed revenge
  • 15
    Font - BlingDoudoux. 5 hr. ago Sweet old karma doing it's job, good for you man ↑ 13 Reply Share snappythefirst OP 5 hr. ago Thank you. It was one of those "they never get theirs" for the longest time. Things finally fell into place though.
  • 16
    Font - triggoon 2 hr. ago I love when a person getting screwed over escapes to a better life. Wish the best of luck with the new house and your current relationship OP!
  • 17
    Human body - bobbo1187 37 min. ago Ya get what ya give, deserved it, good for you guy
  • 18
    Forehead - Beneficial-Nimitz68 Well done, well done +1.3 hr. ago #CHICAGOFIRE CHICA DE de NBC

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