The material presented
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level.
Since AH hasn't agreed to sell the house, it's too late now to even try...even though he said he would sell it now. The bank needs a lot of information from us if we tried to sell it now. I looked up the impact on credit score for short sale vs foreclosure, and it's about the same. Only difference is you can buy a house sooner with a short sale on your record. I have no intentions of buying a home anytime soon. The house is in no condition to sell for a decent price. Realtor said we would be lucky to have one person look at it in the next month because of Christmas, too. A buyer may not even be able to get a loan for the house in the condition it's in.
That being said, I throw in the towel. Foreclosure is the best option for me. Less stress than trying to sell it with an AH who won't cooperate. He hasn't bothered getting rid of much junk...and it's in foreclosure status now. I've been getting a ton of my stuff out...donating things and throwing stuff away. i just put some stuff in storage today and I felt so sad afterwards. He is also rude to me when I'm there. I've told him if he refuses to let us get stuff, like he insinuates, I will bring a cop with me. I have rights to get my stuff out. next step...divorce papers.
I went to a meeting today. Feeling overwhelmed. But I am getting stuff done.
I am sorry NLG. You have really tried to stop this from happening while dealing with a difficult man...that is a lot to handle. I wish you the best outcome.
Thanks Paula. It's hard today...dealing with my emotions around Christmas too. In a way, it's a relief knowing I really don't have a choice. I've tried to change his mind for too long. he has basically been living in our house rent free since June. It makes me ANGRY. He hasn't made an effort to keep the house, he wanted me to deal with saving it and help him by getting a loan from the state which would have ended up being a lien on the house. Before my dad died, he told me not to put AH name on the deed. Did I listen? Nope. Hindsight is 20/20. The best part is my AH junk won't be polluting the earth once the home is taken from him.
It's a house that has become like an anchor around your mind, heart and emotions. As much as you wanted to keep this house, your sanity is more important. No, you didn't listen to your Dad and you had no idea that this would be the result. I loved my parents and yet they couldn't see into the future anymore than I could see into it. I'm glad you are putting your foot down and insisting on getting what you want out of the house. He will try to interfere with whatever he can interfere with and the bank and the police can do what you cannot do. I'm glad you have a place to live with your daughter, NLG. It's sad he is so sick and yet his sickness doesn't have to rob you and the girls of a happy holiday celebration.
-- Edited by grateful2be on Wednesday 10th of December 2014 10:04:46 PM
Thanks everyone. Today is a bad day. Tomorrow we are having a huge thunderstorm, schools are even closing. I've lived in California my whole life and I never remember schools closing due to weather! My daughter's school is open, But have to drive to work in the worst part of the storm. I told my manager I won't kill myself getting there. They are really strict about being late even ONE minute. It's crazy.
-- Edited by Newlife girl on Wednesday 10th of December 2014 09:07:35 PM
I guess I am thinking about my dad a lot. He helped me buy this house. I remember him saying "this house is so big, you will never have to buy another one." He was into buying real estate as investments. He left my mom with a good income because of it. He wanted me to own a house, not rent. However, if he were alive today, I know and my mom agrees, he would not want me staying in that house with AH. Maybe, if he was alive I could have stayed in the house and dad might have helped me pay the mortgage for awhile...but I can't think about the what if's. It just feels good to get it off my chest. I need to grieve, and let it go. Easier said than done. I appreciate you all here...I really do. I just texted an old friend about my situation and she didn't reply. Feels crappy. Maybe she is busy. Who knows. I am very sensitive today.
Dad also bought me a huge 80's style chandelier to go over my dining room table. He said I need a big light for a big house. Lol. It's funny...people hit their heads on it all the time. I don't know what to do with the light. Mom said don't worry about, it's out of style anyway. But my dad gave it to me. Missing him a bunch.
-- Edited by Newlife girl on Wednesday 10th of December 2014 09:14:37 PM
So Sorry,cleaning up the mess afterward is draining on the emotions.What gets me through is I know things will get better,if I had stayed it would have just got worse,I know for a fact his addictions would have ruined us anyway.
You might also want to explore debt separation...what is his and what is yours also what he has that has your name on it. Why the suggestion...my alcoholic addict attempted to continue using my credit to keep her sprees going and also wanted to continue to hold me responsible for a car payment I co-signed for her (really addicted to the alcoholic/addict at that point...beyond smitten). When the bank came after me for the payment I told them to go pick up the car and when she attempted to keep charging on my credit I told the creditors only my signature was authorized and they were responsible for bad decisions. I also posted in the ad section of the local news papers 3 times in 10 days that I was no longer responsible for any debts in her name...That pissed off the addict/alcoholic and made my journey lighter. You might also want to investigate the affects of a bk if workable. In support. Sad with you that this is happening. Alcoholics traumatize easily when the stuff hits the fan and then they freeze up big time....not all some. Hope he isn't trying to drink his way thru this one cause to an alcoholic this is "hard time". ((((hugs))))
Your Dad received what he wanted - he wanted to help you own a big house with a beautiful chandelier. You did until you couldn't anymore. My Dad also helped me with the home I own. He saw it as a better deal for me then renting. Then, the market dropped out and my house was under water. I never told him. I wanted him to enjoy the fact that his daughter owned a home that he got to have a hand in her purchasing and updating to add a bedroom. There will come a time when I will sell this house or lose it. One never knows what the future holds. That won't ever take from my Dad what he helped me do multiple years ago. Nothing can take anything away from your Dad either, NLG. It pleased him to help you own a home. Can that be enough for you?
Oh, NLG, I understand. I live in my dream home today and I know I will be giving it up soon. My goal right now is to get AH out so that I can live here with our son and so that I can care for it properly so that it will sell in top condition. AH does OK taking care of a few things around the house, but I'm the expert house seller. I am really looking forward to moving on with my life, you are just a few steps ahead of me.
Sending you hugs and support tonight. It will get better and nothing (not even our feelings) are forever. Keep coming back, we love you!
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Never grow a wishbone where your backbone ought to be!
You are going fw, that is so cool. I know you must be so tired! Good for you for stating you will get a cop. Proud of you. It is sad honey! It's your dreams changing.
this world is so tough, you are so wise to be taking care of these things so you can live your own life and not have to even think about him.
If he won't get out there is usually this deal to get people out called cash for keys. They don't want to go thru a long eviction process.
Make sure you do fun things to and things to refresh you! This very hard time will bring you to a great place. hugs!
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Putting HP first, always <(*@*)>
"It's not so much being loved for ourselves, but more for being loved in spite of ourselves."
Our house went into foreclosure twice. My AH was able to refinance it the first time in his name only (see were in the middle of our impending divorce at the time). The second him, after he refinanced it, he made one payment and then passed away suddenly. It's been two years now and the house still has not been taken back by the bank. My AD has been living there rent-free all this time and supposedly has not yet been served with an eviction notice.
The first pre-foreclosure is on my credit record, but the second one is not. One more year and the first one will disappear from my record. Then I can hopefully look into buying my own place. When I signed over the house to my AH, I agreed to take paper on what he was going to pay me for giving up the title to him. He never paid me a dime, but I now have a tax write-off for the next 10 years, since it's a capitol loss and the property is not worth what he refinanced it for anymore. Sending you lots of ESH right now.