Q: What can I do to get myself off of a mortgage loan that I cosigned?
I helped my sister-in-law cosign for a home almost 4 years ago, she assured me that her lender had told her that in 6 months to a year she could refinance and get me off the loan. Obviously, that hasn't happened and now I can't purchase my own home because of how high my debt-to-income is with that mortgage. I've tried speaking to her, yet she ignores and avoids me. What can I do?
A: If you are also on the deed to your sister's home, you may be able to force the sale of the home through a partition action in the Superior Court. If not, your options are few without your sister's cooperation. Sister will need to refinance or sell the home to get you off the loan.
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