Q: My husband of 32 years is threatening to stop paying the mortgage of the primary residence.
What are my options if he stops paying the mortgage?
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A:
I'm sorry you're going through this difficult situation. If your husband stops paying the mortgage, first review your financial situation to understand how it will impact you. Contact your mortgage lender to discuss your options, such as modifying the loan or setting up a payment plan to prevent foreclosure.
It's important to seek legal advice to understand your rights, especially if both of your names are on the mortgage. A legal professional can guide you on steps you might need to take to protect your home and financial interests. Additionally, consider reaching out to a financial counselor who can help you create a plan to manage the payments independently if necessary.
You might also explore refinancing the mortgage in your name alone, which could provide more control over the payments. In some cases, selling the property might be a viable option to relieve financial pressure. Taking these proactive steps can help you navigate this challenging time and secure your living situation.
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