‘She Misused My Mortgage Payments; I Made Her File For Bankruptcy': Woman Claims Bankruptcy After Ex-boyfriend Ceases Mortgage Payments

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    Rectangle - I found out she was misusing my mortgage payments, so I made her file for bankruptcy.
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    Font - Posted by u/snappythefirst 2 days ago She's Bankrupt, I'm Debt Free 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 al use. Instances of gas lighting were all too prevalent (even one instance where she gaslit me about what
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    Font - 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. After we broke up, I realised that money I had continued to place into our joint account wasn't going to the mortgage as
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    Font - 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. When I found this out, I called the finance company handling our mortgage and told them I would no longer be making
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    Font - 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. They said I couldn't do that. I told them to watch me.
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    Font - 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.
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    Font - Not long after that, she filed for bankruptcy. 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.
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    Font - 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.
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    Font - ArtOfRuinN23. 2 days ago This did not hurt your credit score? Reply Share 921 921 snappythefirst OP edited 2 days ago 2 days ago. Strangely no. I closed the joint account and stopped all direct debits. I organised a payment
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    Font - 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. 1.4k Reply Share
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    Font - gerbil 111 2 days ago How did you get her off the title, if she was still occupying the house? Reply Share 75 snappythefirst OP 2 days ago She moved out, I moved in. It took me four years to be able to pay the mortgage down far
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    Font - enough, then a bump in property prices hit and I was able to negotiate with the bankruptcy trustees to sell the property. They handled everything. ↑ 70 70+ Reply Share
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    Font - hymie0 2 days 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
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    Font - 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
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    Font - of alimony payments, which she happily paid to get rid of him. 4 144 Reply Share
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    Font - Jou ged curlytoesgoblin +1 2 days 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."
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    Font - Talk to a lawyer. but I cAn'T aFfFoRd OnE -- you'll pay more if you don't. Reply Share 224
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    Font - Gordon_Explosion +1. 2 days ago If she wasn't paying the mortgage, then why did the problems start only when you called them and told them you. were going to stop paying? 21 ↓ Reply Share
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    Font - snappythefirst OP 2 days 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.
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    Font - 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.

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