Q: Can bank put ex on "single mother" program that changes mortgage terms without me and yet still report to my credit?
Ex wife got house in divorce and several years ago she told me she was put on a "single parent" program that lowered the payments. Now bank is reporting to my credit late/not paid on mortgage. If they changed the terms of the loan without my involvement can it still be on my credit?
A: Unless you and your ex actually changed the deed to reflect what happened in your divorce the house is still in both of your names, and nothing has changed as far as the bank is concerned. That also means when the lender reports late payments to the credit organizations they are probably reporting them to both credit report accounts. Caveat: Be very careful when trying to do anything now, because the lender may declare a default and try to repossess the house, which will also adversely impact your credit score. Hire a competent lawyer to help figure this SNAFU out.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
