OK here goes - complicated mess. But I am engaged and my girlfriend owns a house outright that she wants to put me on deed BUT before that I have a nighmare situation.
I currently live in Indana for over 2 years - due to ex (Never been married) having a domestic violence order against her and tried to kill me. I also am a recovering stage 4 cancer survivor.
NY 2001 I foollishly purchased a manufactured home with ex (NEVER married) for 101,000 it IS Jointly titled in Both our names. I put up over 50,000 to attached it to property well , custom features etc. This was secured my 10 acres which was deeded in my ex names
NY Onadaga county has been taxing the property as real property - even though NY doesn't allow titlte purging. Taxes were 3 years behind in 2011... Family member paid them for Me - they were in exs sole name and saved the tax auction - I was fighting for my life and 4 months to live. When ex tried to kill me (another story). So, when I finanaly I had the strength and the TRO I moved in Fall of 2012 as far as I could for protection - Indiana.
In the meantime - while I had been fighting Cancer - the property fell behind in payments again and again (ex used ALL her money for partying - she has a drinking problem etc)... and was Mad I was dying and couldn't make them solely anymore) she bounced checks... didn't pay... got deferrals.. and Finally I filed Chapt 7 in Indiana and was discharged of Mortgage in Dec 2013. I surrendered property - but mortgage company refused to take it.. INSTEAD they allowed her to sign a mortgage reversal and deferral in MY name also and was granted it in Jan 2014 for 6 months... payments were due to resume in March 2014 - she paid IT late and shorted them $50. she then Stopped all together again... We had got so many 90 Notice OF default and papers to bring mortgage current was due by Sept 6 to prevent foreclosure. I got a copy of these since I am Still on Mortgage and Still on Manufactured House title (remember NY titles this with DMV).. she told everyone she was losing home (first time she EVER admitted it) so, I know she was serious and going to let it go into foreclosure..
Lo, and behold ON Aug 15 - She Miraculously comes us will 4,700 to bring mortgage current! I then was told by someone living in My house - that she told them they would have to get out she had sold the house (this person was going to College) and she had to move end of September. Remember I am STILL on title of House.. I have NEVER signed a quit claim deed or anything giving away my right to house. I don't know who bought my property or ANYTHING - the least I know IS that she has forged my name before and I AM certain she is doing this again. She doesn't have the intelligence to understand the laws of mortgage fraud... title forgery etc... and IS NOT above doing this to get some $$$ in her pocket - did I mention there IS about 40000 in equity in property? I believe she sold it to her daughter/new spouse... they are living there with her for last year.. and were NOT married and mysteriously after ALL the years together had to get married and without a couple of weeks - house was sold! I ALSO believe she is dumb enough to contact one of these mortgage scam artists and believe she is smart enough to scam the scammers!
she and the unknown buyer/scammer (this has NEVER been listed for sale so I know it is a private sale) are up to some Mortgage forgery and probably some Mortgage fraud here... how can someone get a mortgage WITH another persons name on TITLE???: without forging it??? The mortgage company doesn't care a BIT.. I am sure now with the mess she is to deal with they are just want their money However they can get it (yes I called and that is pretty much what they said - and they don't care if it was sold - probably Already know and wont tell me - so they can get their money - and don't care about the Fraud.! they did say I was still on mortgage - they know BK I am NOT responsible But they said we are Both still on Mortgage.. so THEY know I have NOT quit claimed title to anyone)..
Oh did I mention SHE is NOW 18,000 plus in back taxes for 3 years and property is on brink of tax auction? So WHY would a buyer/ how could a buyer buy a property without bringing taxes current? No one knows about them - she is hiding that fact! If this IS an all cash buyer...I believe she plans on TAKING the Money and Running and Not paying off mortgage... and IF this a buyer who has to get mortgage - wont they - the bank find out about the Jointly owned title on House? and the back taxes? if it is on contract - WHO would ignore these facts???? this leads me to believe it is a Scam Artist OR her daughter/baby dad who lives there and they a JUST as dumb as she is in regards to Mortgage Law and reprecussions of Mortgage Fraud and they also wouldn't be above Forgery! AND NO WAY WILL I EVER SIGN A QUIT CLAIM DEED ETC GIVING UP MY RIGHTS TO MY PROPERTY WITHOUT MY SHARE - IN CASH/WIRE TRANSFER! I AM NOT REWARDING MORTGAGE FRAUD AND SOMEONE WHO TRIED TO KILL ME -FINANCALLY. This is not for me about Money ANYMORE - it is about my Health and Happiness... I WILL NOT SIGN any other way!
WHERE DO I TURN TO REPORT THIS CRIME AND PROBABLY MORTGAGE FRAUD??? SALE IS GOING THROUGH IN SEPTEMBER! I had a high powered lawyer a year ago to handle her signing my name before etc BUT they did NOTHING! and REPEAT I do NOT have a dime to my name - I am still recovering from Cancer.
Telling me to get another one wont Help - this IS criminal and I am Indiana and the Crime is being committed inI New York! Legal Aid also tried... I do NOT know a Lawyer in NY and I cant come all that way to find one (health) if I could find one to take this Pro Bono!
Anyway, After all these years I have I found a good woman who I am finally after ALL these years going to get married - - who is Most understanding and has a 2nd house she would like to deed to me for income! She has her own also.. but I DO NOT WANT THIS NIGHTMARE hanging over MY/OUR head for the rest of our lives - however long or short hey may be!
Thank YOU, I know it IS long and MOST complicated! PLEASE FEEL FREE TO CONTACT ME!...