You’re a Case Study on Why We Tell People Not To Do This

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5 ай бұрын

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@jimt6151
@jimt6151 4 ай бұрын
This girl doesn't need to be told "how the math works"!!! She knows EXACTLY how the math works!!! She's got HALF the mortgage payment and ALL of the...house!!
@PhilW7670
@PhilW7670 4 ай бұрын
Right? The math is working like a motha fricka for her right now! I get where the guy is coming from on still paying half though. Late payments on mortgages really jack up your credit, and foreclosure is even worse. Sometimes the extra monthly expense is worth saving your credit.
@neurotechman
@neurotechman 25 күн бұрын
​Yeah but she will start bringing in her new boyfriends while you still paying half, that hurts more than a bad credit score lol​@@PhilW7670
@Playingwithproxies
@Playingwithproxies 16 күн бұрын
Every month she stays there she is getting more equity in the house on his dime.
@a55a55inx
@a55a55inx 4 ай бұрын
He needs to live in the house also. She's not feeling any pressure to sell because she's the one benefiting from all of this. I understand that it would be awkward, but I guarantee she'll think about it more if he was living in the same house as she is.
@OHlookSHINYthing
@OHlookSHINYthing 5 ай бұрын
Rule #1: don't shack up. Rule #2: don't put your name on ANY loans with somebody you're not married to.
@Jakkaribik1
@Jakkaribik1 17 күн бұрын
Both Names on Loans or No pay..
@sarameiragootblatt1819
@sarameiragootblatt1819 15 күн бұрын
Women liberation ended up messing everybody
@Jakkaribik1
@Jakkaribik1 15 күн бұрын
@@sarameiragootblatt1819 Kinda Yes some Women destroy good Women thus in their Hive Mind all will get Trashed
@davidmilhouscarter8198
@davidmilhouscarter8198 5 ай бұрын
I bought a house with my girlfriend in December 2018. She broke up with me in 2020 (sucky year) and moved out. Then a few months later, she signed a quit claim deed. The mortgage was in my name since day one. Now it’s all mine. I’m aggressively paying down my mortgage and I’ve got about $200k equity. After a couple years of working her own plan and it failing, she wanted to come back. I genuinely feel bad for her sometimes but I never asked her to leave; she left by her own free will.
@jimmoore3767
@jimmoore3767 5 ай бұрын
did you tell her shes not welcome back? she broke up with you to ride the carousel and now thats she worn out wants to come back to security.
@robertbell525
@robertbell525 4 ай бұрын
Do not feel bad for her. The best revenge is her seeing you succeed and seeing what she threw away.
@HoneyHoops-ig9ws
@HoneyHoops-ig9ws 4 ай бұрын
You’re not responsible for other people.
@andrevaca6700
@andrevaca6700 4 ай бұрын
“My ex-boyfriend” is paying off that house aggressively. If I get back together and marry him, then divorce, I could get half!
@dorgana225
@dorgana225 4 ай бұрын
My sister was in a similar situation. Only they owned the house together for 5 years. He has told her a couple times that she "won the breakup", but she responds with "you left, not me". This was years ago, but she works with his mom so they still pseudo interact. She is now happily married, they own a different house, and they just had their first child in December. Her ex lives in an RV on his mom's property and drinks most of his money. I think she dodged a bullet.
@stt5v2002
@stt5v2002 5 ай бұрын
Interesting timing. I’m not saying that she’s scamming the caller out of half of a mortgage, I’m just saying that if she wanted to do that, she would do all the exact same things that she did.
@MrKewlplayer
@MrKewlplayer 5 ай бұрын
Talking to her is not going to work. It hasn't worked and thats why he is on the phone. Get the legal process going through an attorney and get the house sold.
@leod7130
@leod7130 5 ай бұрын
He paying half of her bills and she’s in there bouncing on Jerry smh
@pitbull7885
@pitbull7885 5 ай бұрын
that's exactly what's going on
@jaaxoon
@jaaxoon 5 ай бұрын
😂😂😂
@h80k
@h80k 5 ай бұрын
Bouncing on Jerry in Chris's bed.
@AmukaAkuma
@AmukaAkuma 5 ай бұрын
And Kevin from Sales
@kmoliere504
@kmoliere504 5 ай бұрын
😂😂😂😂😂
@user-lf5bm5tm1q
@user-lf5bm5tm1q 5 ай бұрын
She had some other guy lined up that she said was just a “friend” for awhile, he finally asked her out and now she’s with him. Guaranteed!!!
@asadb1990
@asadb1990 4 ай бұрын
Yeah but nothing wrong with that as she broke up with him first. But whats wrong in all this is the fiance who is paying half the mortgage who is not living at home.
@karmasutra4774
@karmasutra4774 4 ай бұрын
@@asadb1990yeah, she can refinance under her name but is he is paying he is staying
@bobnob3496
@bobnob3496 4 ай бұрын
Just because it keeps happening to you doesn't mean that's the case here
@arcticredpanda4598
@arcticredpanda4598 4 ай бұрын
That's how the scam works.
@user-rl6wr2ny7f
@user-rl6wr2ny7f 4 ай бұрын
It is immoral to enter such an agreement with the intent to betray your partner. ​@@asadb1990
@BlackMenAreDope
@BlackMenAreDope 5 ай бұрын
What a terrible person she is. She bought a house with her fiance, dumped him, still lives in the house, and doesn’t want to sell. That sounds like a horrible evil person.
@Naturefan354
@Naturefan354 4 ай бұрын
She's obviously trying to play him. She wants the house all to herself and is trying to stall to stay there as long as possible so she can try and figure out how to get the house from under him
@Cristobal8605
@Cristobal8605 4 ай бұрын
You’ve only heard one side of the story.
@fenomfangx
@fenomfangx 3 ай бұрын
@@Cristobal8605 Yea, the side paying half the mortgage and has none of the house.
@DonnovanThomas929
@DonnovanThomas929 3 ай бұрын
@@Cristobal8605 yeah the only good side: I don’t care what she has to say
@Rosemary-up1ql
@Rosemary-up1ql 2 ай бұрын
When will.people get smart.
@xoxrazzyxox
@xoxrazzyxox 5 ай бұрын
As a woman. My advice is to move back in. It’s your house too, bring girlfriends over make it as unpleasant as possible. Be messy, don’t flush the toilet. Be loud at 2am. Take the master bedroom because it isn’t you that ended the relationship. Unless you cheated then none of this applies.
@FreedomsNurse
@FreedomsNurse 5 ай бұрын
Nope. Too risky. One false allegation is all it takes!
@MB-uy5kh
@MB-uy5kh 5 ай бұрын
My brother was in same situation and refused to move out. She threw herself down the stairs and then called the police and claimed he had beat her up. My brother was arrested, but she “dropped” the charges because she figured out if he was in jail, he couldn’t pay the mortgage, which he was paying the whole thing, along with her truck payment. She finally moved out when he offered to pay off her truck and credit cards bills in exchange for quit claim on the house, which was upside down in value at the time. This was in Texas, so the truck was of high value to her. Ridiculous what she did.
@xoxrazzyxox
@xoxrazzyxox 5 ай бұрын
Record EVERYTHING. Sleep in separate rooms, bring a woman over with you, more awkward for her but you also have a woman to verify you didn’t do anything wrong.
@apersonontheinternet8006
@apersonontheinternet8006 4 ай бұрын
Imagine being this oblivious.
@xoxrazzyxox
@xoxrazzyxox 4 ай бұрын
@@apersonontheinternet8006 Anecdotal evidence is unfortunately only that and can come from an emotion. False allegations are statistically very rare. There is a lot of misinformation on the topic. The best thing to do is to record everything and have someone like your mother move in. This advice protects both parties, women from abuse and men from false allegations. Two out of every five female murder victims were killed by an intimate partner. Men are more likely to lose out on visitation with their children. Neither gender benefits when their partner is cruel or abusive. This is the correct course of action based on FACT and not emotion.
@dougparson4407
@dougparson4407 5 ай бұрын
For Me - I would have never moved out of the house and would get it listed ASAP. Accept a reasonable offer Quickly and be prepared to lose money on the deal. The trick is to get as far away from that girl as fast as possible. It is going to cost you one way or another. Hope this guy learned his lesson !!
@olemortensen3354
@olemortensen3354 2 ай бұрын
Amen to that! She was like the snake she trusted, nasty teeth and he got bit by a truely nasty piece of work. Get the house and that girl as far out of your life as humanly possible.
@AnnaLicata-ml7nr
@AnnaLicata-ml7nr 5 ай бұрын
As someone who went through this relatively recently, last 5 years or so, do yourself a favor and have the conversation sooner rather than later. You would be stunned how long somebody can drag out this process. My ex dragged it out for a good 2 years AND stopped paying! Which means I ended up paying both our portions, AND my new place, so as not to have a foreclosure on my credit history. By the time I finally got the ex out and could finally sell it, the house was so torn up that I had to rehab it before selling it. Talk to her TODAY. The conversation will be massively uncomfortable but believe me you will thank yourself later. For anyone who says I was stupid, save yourself the trouble, I already know I was. Trust me it was a larger than life learning experience!
@JiisTube
@JiisTube 5 ай бұрын
Thanks for sharing great wisdom from out of your pain. God bless you
@lizh4933
@lizh4933 5 ай бұрын
YUP. I bailed on my debt and moved to another country. Live and learn.
@deborahblackvideoediting8697
@deborahblackvideoediting8697 4 ай бұрын
Sorry you had to go through such a terrible experience. She sounds like a wicked witch.
@DMANROCK1
@DMANROCK1 4 ай бұрын
Or she gets the house refinanced under just her name, he signs a quit claim deed and he walks away from the $2k. Walking away from the $2k will save him money.
@os3734
@os3734 5 ай бұрын
If I'm paying, I'm staying.
@PInk77W1
@PInk77W1 5 ай бұрын
That was my thought
@elivasquez5976
@elivasquez5976 5 ай бұрын
He probably screwed up somewhere. He got kicked out of the house and is still paying the mortgage? Some context is definitely missing..
@FreedomsNurse
@FreedomsNurse 5 ай бұрын
She could make false accusations against him. Better to just stop paying and take the hit on the credit score.
@OldManAndTheSeaOfTooManyCats
@OldManAndTheSeaOfTooManyCats 4 ай бұрын
@@FreedomsNurseAnd in the process kill any chance of ever owning a home, or getting a lease for that matter. As was stated above: RIP Chris.
@Naturefan354
@Naturefan354 4 ай бұрын
​@elivasquez5976 Even if he screwed up...they still were never married and their where no children involved so why wouldn't she want to sell the house and just walk away? Especially if she longer wants to be with him.
@michaellightbown9492
@michaellightbown9492 5 ай бұрын
She’s cold hearted. Wants to keep him on a string for two years so she can live there on the cheap.
@ItsEricAZ
@ItsEricAZ 5 ай бұрын
50% off on the mortgage payment is a sweet deal for her. Lousy one for him as he's getting no benefits from it.
@pitbull7885
@pitbull7885 5 ай бұрын
exactly she is using him. He will probably have to get an attorney I feel like she will not sell the house
@brentleary2227
@brentleary2227 5 ай бұрын
Typical woman mindset and bullshit. $ 20 says she was cheating on him and then all the crap started
@jimt6151
@jimt6151 4 ай бұрын
"Two years"??? She's not letting him off the hook in two years!! That's just the BS she's telling him right now! After he spends two years paying half of her house payment, he'll be acclimated to it, and he'll be even easier to control!
@OldManAndTheSeaOfTooManyCats
@OldManAndTheSeaOfTooManyCats 4 ай бұрын
@@pitbull7885He’ll probably have to sacrifice his credit to get out of this mess. The rest of his life will be severely impacted. When he’s living as a non-lease roommate in some crap apartment 20 years from now I wonder if he’ll think she was worth it.
@annt2685
@annt2685 5 ай бұрын
I wish he’d call back in a month or so & give us an update.Dave, do some “ update shows”!
@ykook7000
@ykook7000 5 ай бұрын
Who cares
@PInk77W1
@PInk77W1 5 ай бұрын
Update will be a train wreck
@annt2685
@annt2685 5 ай бұрын
@@ykook7000 I do!!
@annt2685
@annt2685 5 ай бұрын
@@PInk77W1 maybe, maybe not.
@PInk77W1
@PInk77W1 5 ай бұрын
@@annt2685 Yeap
@carlosmiro4932
@carlosmiro4932 5 ай бұрын
This was his own damn fault for getiting into this deal. Forget the heartbreak, the problem is the house. He has to set himself free at any cost.
@porterosbournejr.5083
@porterosbournejr.5083 5 ай бұрын
He’s getting played and yet all 3 of them are giving her the “bless her heart she just doesn’t understand the math…”. No, she knows exactly what she is doing.
@pitbull7885
@pitbull7885 5 ай бұрын
True is playing him like a fool
@caron5622
@caron5622 4 ай бұрын
I came here to say exactly that! Sounds like he dodged a bullet. She expects him to pause his life for two years so she can build equity.
@Ka_Gg
@Ka_Gg 4 ай бұрын
You can just listen to his voice and tell she controlled everything.
@dylanjones4991
@dylanjones4991 4 ай бұрын
Can guarantee she planned on breaking things off before she got him to buy a house
@MidnightPolaris800
@MidnightPolaris800 4 ай бұрын
This 100%
@mikemayo4812
@mikemayo4812 5 ай бұрын
She stayed with him until they signed for a house that he's still paying half for? She sounds like a scammer.
@ryand7713
@ryand7713 5 ай бұрын
She's staying because he's paying half the mortgage. Pretty good deal
@katiejon17
@katiejon17 5 ай бұрын
Washington state is full of wokies. Between their absolute lack of accountability, sense of entitlement, and zero moral... I’m guessing she’s a “I support the current thing” girl.
@daveshane957
@daveshane957 5 ай бұрын
He never should have moved out. To paraphrase Sam Kinison, he should have acted like such an asshole that she moved out, LOL
@AndrewQuiroz24
@AndrewQuiroz24 5 ай бұрын
Why is it always women that do shit like this?
@AndrewQuiroz24
@AndrewQuiroz24 5 ай бұрын
Why is it always women who do this?
@alanj9978
@alanj9978 5 ай бұрын
@@daveshane957 And then she files a false abuse claim and gets you taken out by force.
@joefunk76
@joefunk76 5 ай бұрын
She has no idea how a long-term fixed rate amortization schedule works. In the first few years, almost no equity is being built because the payments are going almost entirely to interest. 😅
@sirdudeness1386
@sirdudeness1386 2 ай бұрын
Yep!
@scott4825
@scott4825 14 күн бұрын
The way it works is that she rents a whole house for 1/2 the mortgage payment. She might have used his credit and his down payment as well.
@harryvanderveen773
@harryvanderveen773 4 ай бұрын
Sorry to hear this Chris, wish you the best!
@dougholdem2898
@dougholdem2898 5 ай бұрын
It needs to be explained to her that $2000 is more than she'll have if she fights the sale or you stop paying 1/2 the mortgage.
@timgibney5590
@timgibney5590 5 ай бұрын
She can file for 1/2 the closing costs and escrow since it is a join asset. If she has dough she can sue for tens of thousands and even refuse to pay taxes to screw him. Yeah this is bad like a divorce which she hopes he will settle so she doesn't have to pay
@emmanuelsalas5298
@emmanuelsalas5298 5 ай бұрын
ALWAYS blows my mind hearing cases of someone getting kicked out of the house due to divorce/breakup and they still continue to make payments for the person living in the house
@arh1234
@arh1234 5 ай бұрын
Divorce possibly makes sense. Still paying after a breakup seems deeply unfair.
@jimmoore3767
@jimmoore3767 5 ай бұрын
@@arh1234 its his fault for moving out, he would have stayed until the house was sold or somebody bought the other halfs.
@apersonontheinternet8006
@apersonontheinternet8006 4 ай бұрын
@jimmoore3767 you are out of touch. That is how you find yourself in jail on false allegations, end up losing your job, and still end up out of your own home.
@BlueDauntless
@BlueDauntless 2 ай бұрын
@@arh1234I think in divorce you’re ordered to keep paying until it’s sold or someone’s name removed.
@mikederucki
@mikederucki 5 ай бұрын
Stay strong brother
@graham6774
@graham6774 4 ай бұрын
I work with people in financial difficulty in the uk and i see this ALL the time
@fauxbro1983
@fauxbro1983 5 ай бұрын
Lol she wants that house buddy. And you fell for it.
@lorenafg8623
@lorenafg8623 5 ай бұрын
He fell in love and trusted her. It happened or will to all of us.
@asaojohnston8235
@asaojohnston8235 5 ай бұрын
Men are in love women are in business
@user-rf3te8uf2d
@user-rf3te8uf2d 5 ай бұрын
​@@asaojohnston8235 Really? How many males have left their wives and girlfriends, often with children, and think they can negotiate out of their commitment with a monthly payment? How many have failed to pay child support? It seems like men are the ones trying to buy involvement with a woman or pay their way out of one. Or screwing their own children by not paying for their care. The women I know don't act this way, so please don't condemn an entire gender because of the actions of this one person.
@fauxbro1983
@fauxbro1983 5 ай бұрын
​@@user-rf3te8uf2d who hurt you?
@pitbull7885
@pitbull7885 5 ай бұрын
yeah and she is using him
@Astro95Media
@Astro95Media 5 ай бұрын
If all the details are correct, this girl is going to dig her heels in and make things even worse for herself. My ex did that during our divorce. The more she dug in, the worse it got for her.
@ykook7000
@ykook7000 5 ай бұрын
She's a woman not a girl A girl is under 18 Why can't men understand that
@cassideyousley406
@cassideyousley406 5 ай бұрын
Care to explain? Just curious.
@raymond_sycamore
@raymond_sycamore 5 ай бұрын
she is a woman
@ryanj357
@ryanj357 5 ай бұрын
@@cassideyousley406it’s because they’re not married and have no kids. The only leg she has to stand on is that house. She also doesn’t make enough to afford a lawyer for a long legal battle. She’ll be in the red once it’s all over because she’s spending money for lawyer fees.
@Astro95Media
@Astro95Media 5 ай бұрын
@@cassideyousley406 She was offered the chance at mediation to give me primary custody of our daughter and not pay child support. She dug in and said she wanted everything. So we went to court, where I was awarded primary custody and $80,000 of child support over the course of 15 years. She dug in again and demanded a jury trial, which never happened because we proved she’d committed perjury at our first hearing, so she had to walk away with the first ruling and the threat of being thrown in prison if she ever tried again.
@Tehui1974
@Tehui1974 5 ай бұрын
I've been in his situation and was the same young age. The sooner the house is sold, the better for everyone.
@eas2252
@eas2252 4 ай бұрын
You shouldn't have moved out until you were under contract with a buyer. SHE has a house to herself that you are paying half the cost of. I bet she would be ready to sell if her ex was her roommate.
@karmasutra4774
@karmasutra4774 4 ай бұрын
Exactly what I just was screaming over here! Move back in! She will sell
@IndigoWisdom1
@IndigoWisdom1 5 ай бұрын
This is financial abuse at its finest. Exactly why you guys preach this. He needs to charge her a "lease-back" of 1/2 the mortgage and PITI for every month he has not been living there, and for every month until sold, if at least from the closing costs. She doesn't actually deserve the $2000 profit to be honest. She's getting 50% off of housing as incentivized by breaking up with this dude!
@FreedomsNurse
@FreedomsNurse 5 ай бұрын
Yup and meanwhile Chad Brad Pookie and Ray-Ray are running her through.
@dr.bradshaw
@dr.bradshaw 5 ай бұрын
She can buy you out also. Surprised they didn’t suggest that
@mqayyum9226
@mqayyum9226 5 ай бұрын
she probably can't. Seems like they are both on the loan, so even if she comes up with the money to buy him out, she probably doesn't make enough alone to get him out of the loan with the mortgage company.
@curiouscat3384
@curiouscat3384 5 ай бұрын
If she's obsessing over $2K then she doesn't have the resources or the job to carry the mortgage.
@dr.bradshaw
@dr.bradshaw 5 ай бұрын
She’s got a new man, they can both buy her out.
@jimmymcgill6778
@jimmymcgill6778 5 ай бұрын
No one have to be bought out. More then likely they will break even.
@jimmymcgill6778
@jimmymcgill6778 5 ай бұрын
@@mqayyum9226 With what money? You don't know how much she makes.
@jgg204
@jgg204 5 ай бұрын
RIP chris. You simped out and let her stay in the house. Man up and sue her. Shes not leaving wake up. Let this be a lesson learned for all men. Men need to protect themselves against women like this
@jeanniesabol5410
@jeanniesabol5410 5 ай бұрын
Not just men. No marriage then no shared property. No marriage then no legal rights.
@robertbell525
@robertbell525 4 ай бұрын
Absolutely right
@jgg204
@jgg204 4 ай бұрын
@@jeanniesabol5410 This is a men's rights issue. Please don't dance around this subject and pretend this affects men and women equally.
@BlueDauntless
@BlueDauntless 2 ай бұрын
@@jeanniesabol5410If they were married, this would have been much easier for the caller to navigate. And check your local laws. Not all states have equitable rights in a divorce. Some have shared/communal rights. And common law marriage. Those are a bad mix.
@vaska1999
@vaska1999 2 ай бұрын
We don't know why he moved out. He may have screwed up badly, so she threw him out. In any case, he needs to get a lawyer talking to her.
@HisDivineShado
@HisDivineShado 4 ай бұрын
I know I'm late, but he should speak to an attorney before speaking to her so he has an idea of how an attorney could help. The last thing he wants to do is threaten getting an attorney only to find out he can't get one to help.
@curiouscat3384
@curiouscat3384 5 ай бұрын
I hope Chris records this and plays it all night and practices the speech with Dave's tone of voice. He's so wounded he might have trouble getting through it without getting emotional but like Dave says, he needs to remain calm and businesslike. I'm so sorry for him.
@OldManAndTheSeaOfTooManyCats
@OldManAndTheSeaOfTooManyCats 4 ай бұрын
He’s weak. I predict he’ll pay the mortgage for another five years, only stopping when his ex has her second child. At that point he’ll be broke and have completely ruined credit.
@robbietuna2902
@robbietuna2902 5 ай бұрын
Been there done that. Good luck my friend. Clear this up as fast as possible. You’re gonna take a hit but you will heal and life will get better.
@bobcantstandzyobitz9778
@bobcantstandzyobitz9778 4 ай бұрын
This happened to a friend of mine. She started dating a married man with 3 kids, he worked for a big investment firm. She saw dollar signs and the guy saw a young fling. Ruined my friend's credit (they both stopped paying on the house and it went into foreclosure) and he lost money on the house.
@ladybugrealtor
@ladybugrealtor 5 ай бұрын
He can sign a listing agreement without her, the yard sign and buyers coming by may help put on the pressure. Given his emotional state, let the agent or a third party talk--not him.
@RollinMcCoalerson-eh7fn
@RollinMcCoalerson-eh7fn 10 күн бұрын
😍😍Would you be my realtor? VERY pretty 😘
@joyvestal8106
@joyvestal8106 5 ай бұрын
Great advice on how to deal with it
@chrissmith-yg5xn
@chrissmith-yg5xn 5 ай бұрын
they didn't really give any good advice needed Dave for that call
@linhaton4957
@linhaton4957 5 ай бұрын
He needs to move back in if he’s paying half of the mortgage while saving for the attorney fees. She won’t want to move if he’s still paying.
@elivasquez5976
@elivasquez5976 5 ай бұрын
He probably screwed up somewhere. He got kicked out of the house and is still paying the mortgage? Some context is definitely missing..
@zacharysilver911
@zacharysilver911 5 ай бұрын
@@elivasquez5976I asked a mortgage lender that I know about this. Since he jointly owns the house there’s no way to make him move about unless there was some case of abuse or something. However, there’s also no way to force her to agree to sell, legally speaking. He needs to move back in until she decides she doesn’t want to be there anymore.
@zacharysilver911
@zacharysilver911 5 ай бұрын
@@elivasquez5976You’re literally a bot
@elivasquez5976
@elivasquez5976 5 ай бұрын
@@zacharysilver911 nah bro.
@glasshalffull2930
@glasshalffull2930 5 ай бұрын
If she pulls an Amber Herd, he could end up arrested.
@beaniemac
@beaniemac 5 ай бұрын
If she doesn't wanna move, she needs to pay him out 1/2 of the equity and refinance the house mortgage into her name, which I'm guessing she cannot afford. Also, why in the hell is he paying half the mortgage on a house he doesn't live in?? This is pure nonsense.
@Savedandfreed
@Savedandfreed 5 ай бұрын
I’m not sure if not paying a mortgage affects credit scores but it could be why since his name is on it too
@jimmymcgill6778
@jimmymcgill6778 5 ай бұрын
@@Savedandfreed It does. And both their names are on it. Legally, he is required to pay half of it.
@michaelmurphy2112
@michaelmurphy2112 5 ай бұрын
@@jimmymcgill6778 Not really. Legally they're both responsible for the full payment. If he stops paying, either she picks up the other half or they both take the hit, same if she stops paying. The mortgage company doesn't care who's paying as long as they get their money.
@glasshalffull2930
@glasshalffull2930 5 ай бұрын
Yeah, not paying is a bad idea. Best case is your credit score is screwed for years. Worst scenario is bank forecloses and auctions and you owe thousands.
@jimmymcgill6778
@jimmymcgill6778 5 ай бұрын
@@michaelmurphy2112 That's what I said. She can take him to court if he doesn't pay.
@Minimalist-Lifestyle
@Minimalist-Lifestyle 5 ай бұрын
This is the ultimate nightmare scenario !! One possibility, albeit extremely undesirable, is to offer to pay her off, maybe $5K or so, upon successful sale of the house.
@inbornwanderlust1076
@inbornwanderlust1076 3 ай бұрын
I think this is exactly what he should do. Take the loss, and get away from her. They aren't likely to walk away with 2k anyway because they haven't owned the house long enough, and two years will not make a difference. This offer will give him a clear understanding of where she stands and what she wants. If it's the couple grand like she is saying, she'll take it and go. But if it's really about something else and she is just using the money as a front, she won't want to take it and will start raining excuses for still not wanting to sell. This will tell him how much of a fight and aggression he's going to have to buckle up for to get this house gone.
@BarlowJacob
@BarlowJacob 5 ай бұрын
Thanks for going back to the old intro music
@cantrell0817
@cantrell0817 27 күн бұрын
I made this mistake. Fortunately, my ex agreed to sell her half to me in exchange for a stack of cash. It was worth it. I've learned my lesson.
@caustinolino3687
@caustinolino3687 5 ай бұрын
The realtor is BS'ing them saying theyll get back only $4k. Theyre not getting back anything. They will have to pay like 5-10% out of pocket to sell at all. After paying the realtor's 6% and closing costs theyre down by like 8%, assuming flat market, which is a generous assumption.
@bigtexas517
@bigtexas517 5 ай бұрын
When/where do yall do these live shows?
@handyhistorian
@handyhistorian 3 ай бұрын
"Tell her you broke my heart and I have to get away from this." ... "And don't bring up the past." 😆
@miketracy9256
@miketracy9256 5 ай бұрын
We call it a suite for separation and is expensive but may be his only option.
@characteristicallyauthentic
@characteristicallyauthentic 5 ай бұрын
Same thing my wife was trying to do the moment she wanted out lol needless to say the house was sold.
@tubenachos
@tubenachos 5 ай бұрын
He moved out but paying the mortgage?!!! Grow a pair man!!
@Derek8487
@Derek8487 5 ай бұрын
I concur, a big hairy pair.
@rajbeekie7124
@rajbeekie7124 5 ай бұрын
He probably has NO choice. If she fails to pay mortgage his credit score is ruined.
@Ka_Gg
@Ka_Gg 4 ай бұрын
Far too many men do this. They get screwed over and then willingly leave. It screws them over so bad. I don't get it. I've seen men that owned a house before getting together and will end up leaving when things get bad.
@Ka_Gg
@Ka_Gg 4 ай бұрын
​@@rajbeekie7124you don't understand the issue. The big thing was moving out. He's essentially paying rent on a place he willingly moved out of.
@JKinLVN
@JKinLVN 5 ай бұрын
What might have happened is that he got caught cheating. I dunno. But he seems very humbled by this all. If he didn't cheat or wrong her, he needs to get rid of the house.
@elivasquez5976
@elivasquez5976 5 ай бұрын
He probably screwed up somewhere. He got kicked out of the house and is still paying the mortgage? Some context is definitely missing..
@georgecottell6616
@georgecottell6616 5 ай бұрын
​@elivasquez5976 how many times are you going to post the same fucking comment?
@apersonontheinternet8006
@apersonontheinternet8006 4 ай бұрын
Even if he cheated that doesn’t mean she is entitled to the house.
@JKinLVN
@JKinLVN 4 ай бұрын
@@apersonontheinternet8006 - Nobody says that it does. But perhaps his guilty conscience is getting to him. He seems rather in the simp mode right now.
@robertbell525
@robertbell525 4 ай бұрын
Yeah whatever happened relationship wise is not relevant. This is down to business only. They are not together, they need to sell the house, take their lumps, and move on with life.
@sirdudeness1386
@sirdudeness1386 2 ай бұрын
That’s is a pretty severe kick to the nuts to date five years be engaged have it broke off and then be paying half the mortgage while not living in the house. Hope it all works out for this guy.
@HJW3
@HJW3 5 ай бұрын
This is a general partnership, so a Judge can force the sale of the house to dissolve the partnership. The house is already sold, she just hasn't admitted it yet
@richthepup
@richthepup 5 ай бұрын
Shoutout to the Ramsey team. They are def consistent about not getting yourself in this situation. All i can say is “Ouch!” That def look like it hurt 😬
@markmurrell1894
@markmurrell1894 5 ай бұрын
She knows exactly what she’s doing. Gets a cheap place to live while she’s free now to date whoever she wants.
@ArchanDelon12
@ArchanDelon12 4 ай бұрын
I'm willing to bet she'll be moving her new boyfriend in the house soon if she already hasn't. No one leaves what they have unless they find something they think is better. Selling the house isn't about breaking even, it's about getting yourself financially separated from someone you are no longer with. He'll be on the hook for that mortgage for the next 15-30 years when she eventually defaults on the payments.
@PInk77W1
@PInk77W1 5 ай бұрын
5y from now she’ll still b living there and he will still b paying half
@OldManAndTheSeaOfTooManyCats
@OldManAndTheSeaOfTooManyCats 4 ай бұрын
I made the exact same prediction earlier.
@Ka_Gg
@Ka_Gg 4 ай бұрын
Yep.
@jgjg3848
@jgjg3848 4 ай бұрын
She wants to stay in the house, buy only pay half the mortgage? Screw that. She intends to stay there as long as she gets away with it. Only making $2k from a sale is a lot better than paying for an attorney when the guy has to drag this through the court. She'll pay far more than $2k for litigation.
@blackspiderman1887
@blackspiderman1887 5 ай бұрын
Yeah i wouldn't be moving out of anything that im currently paying for.
@apersonontheinternet8006
@apersonontheinternet8006 4 ай бұрын
If you were smart you would absolutely move out on your own volition. If you aren’t smart, you would still move out but only after a trip to the county jail, a court order, and a lost job.
@blackspiderman1887
@blackspiderman1887 4 ай бұрын
@@apersonontheinternet8006 maybe a loser like you but real men are not going to move out of something they pay for. First of all you have no legal obligation to move out. Second if you are afraid of being falsely accused then set up surveillance cameras. It's much cheaper to install cameras than to be paying double rent.
@nancymcclymont2858
@nancymcclymont2858 27 күн бұрын
With all due respect, and I do agree he has to speak to her in person + let her know he’ll have to take legal action if she does not comply, saying what was recommended EVEN CALMLY could easily be viewed as a threat. We do not need this young man to be under a DV restraining order on top of all this. If he can NOT say that it’s going to get ugly/nasty, and he ends up taking legal action then any decent judge is going to order her to comply. I also wonder why she has to put the house on the market? If she can then HE can, is that right? He can present her with a proposal to buy him out. She won’t do that but then he will have that proof.
@TheRoadprincess
@TheRoadprincess 4 ай бұрын
Yeah, the speed with which she broke up with him after they bought the house? Looks like she used him to buy a house she wouldn’t have been able to buy on her own and is strong arming him to keep it by just staying. She’s not as bright as she thinks, but cheaters never are.
@holly_wood26
@holly_wood26 5 ай бұрын
Together for 5 years. Get engaged. Buy a house. 7 months later break up? I want to know why they broke up. What happened? This is just about money and a house, this is essentially a broke marriage and Dave should have asked why did the relationship end.
@Ka_Gg
@Ka_Gg 4 ай бұрын
She's been cheating on him for a while it sounds. She probably got bored with him. Sure, maybe he slept with her sister. Who really knows.
@faerydae29
@faerydae29 4 ай бұрын
They got together when she was 22 what’s you expect?? You don’t go long term with someone that’s 22, go for 25+ for a better chance.
@user-mv9tt4st9k
@user-mv9tt4st9k 5 ай бұрын
Forget the conversation, they already had it. She said no and asked for two years, so the conversation is over. Hire a lawyer to give her two options: Put the house on the market or arrange a buy out. These are straightforward business transactions that may happen immediately.
@GeneralChangFromDanang
@GeneralChangFromDanang 15 күн бұрын
That's where I lucked out with my ex. I had proof I was the only one paying the mortgage so when she dumped me I was able to tell her to get out.
@zachx333
@zachx333 3 ай бұрын
What kind of recourse is there though? He can stop paying his half and they both take the hit if she can’t cover the other half?
@xavierfrenchforall
@xavierfrenchforall 4 ай бұрын
There's no way i move out if I'm still paying. She's going to have a roommate until she agrees to move out
@DivaClariceWilliams
@DivaClariceWilliams 5 ай бұрын
This can happen even if married. My sister in New Zealand left her husband after 25 years of marriage and he stayed up in the house and spun the divorce settlement out until they went to court last December and the Judge was fed up with him. Constant delaying and evasion tactics,he lied to the previous Judge about putting the house on the market over a year ago, sent emails to Real Estate agents falsely copying her in saying they were delaying the sale etc. Forced her to take him to court again and tried to claim the court costs off her. In December she got an affidavit together showing his lies in the court and to her and her lawyers. And finally he got the trouble he deserved. This woman sounds very manipulativeShe's having a field day on their shared house. I hope he gets her out quickly.
@glitterstarbeau
@glitterstarbeau 4 ай бұрын
But at least the wife can get attorneys fees and put him in jail if he violates the court order
@DivaClariceWilliams
@DivaClariceWilliams 4 ай бұрын
@@glitterstarbeau not in New Zealand,they went back 3 times to court and only the last time was it classed as contempt of court because he told the Judge he would sell the house and then after said he didn't have to as it was in Trust and because he was omitting finacial reports and info etc.which my sister researched herself.
@BlueDauntless
@BlueDauntless 2 ай бұрын
⁠@@DivaClariceWilliamsThat’s New Zealand and their laws. Every state in America has their laws. But in a divorce, it’s clear what’s going to happen to shared assets. In this case because they’re basically roommates, he’s literally at her mercy. If they had been married, she could still jerk him around in the court system. But I don’t think she’d have as much success.
@gorkyd7912
@gorkyd7912 2 ай бұрын
Sympathy for your sister who broke her vows: zero.
@DivaClariceWilliams
@DivaClariceWilliams 2 ай бұрын
@@gorkyd7912 her ex husband broke his marriage vows that's why she left him. Shut up you bitter old man.
@ykook7000
@ykook7000 5 ай бұрын
Whats the difference between married or defacto Sell the house and split the costs thats it Go to court and get it legally done end of whether youre married or not Its the same
@rory644
@rory644 5 ай бұрын
I think it’s different in the US 🇺🇸 here in Australia once you’re living together 6 months your pretty much a de facto couple
@bmanscire
@bmanscire 2 ай бұрын
I love Dave Ramsey
@phoneuse2012
@phoneuse2012 5 ай бұрын
You just gotta protect yourself in all situations
@PurpleRose8725
@PurpleRose8725 5 ай бұрын
The other option is for her to buy him out. ... not that she's going to have or get a loan for half the house value when she's worried about only getting 2k back.
@SuperTambo69
@SuperTambo69 Ай бұрын
she had an ulterior motive - thinking she would get the house after a break-up because Shes a woman. Then got hit with harsh reality. Dont go easy on her
@inbornwanderlust1076
@inbornwanderlust1076 3 ай бұрын
They shouldn't have bought the house together. But I think the rest of the story goes something like he's been dating this girl since she was 23 and has made no meaningful progression in their relationship towards commitment (marriage) and starting their family. It's obvious from his answers in this call that he's the type to just eternally hem and haw over something, seek advice from literally everyone and their brother and then still sit back and make no decisions. She probably thought buying a home together would be the final kick in the pants he needed to get him on the marriage and family track, and lo and behold, to her dismay it still didn't happen. Biologically she really doesn't have any more time to lose. I'm sure she doesn't just want to be a baby mamma from some random sperm, so now she is faced with having to go through the whole dating process again to find another sutible man for a family. She's now going to be pushing into her early to mid 30s before she even has her first child, and now she got all her money tied up in this house too. She is probably so upset. But she's also smart and is not trying to walk away at a financial loss. He is stuck with her and the house or he needs to grow up and take real actions for something, which now will be eliminating the house since she eliminated the relationship.
@fundamonium
@fundamonium 5 ай бұрын
Note to men. Whoever breaks the marriage leaves the house! No questions asked 6:11
@WindyWalk
@WindyWalk 5 ай бұрын
Why is it that in these situations where both parties own 50% of the house each the man always vacates the house and the woman continues to live there?
@Hurtzilla
@Hurtzilla 5 ай бұрын
Proverbs 21:19
@robloxvids2233
@robloxvids2233 5 ай бұрын
Because the man doesn't want to get stabbed in the neck by a crazy woman in the middle of the night.
@WindyWalk
@WindyWalk 5 ай бұрын
@@Hurtzilla I totally agree with that, but the proverb doesn't say to continue paying half the mortgage
@AmbiguousAbsolute
@AmbiguousAbsolute 5 ай бұрын
​@@WindyWalk the joke went right over your head 😂 The man can't default on the mortgage bc it'll impact his credit worthiness/history.
@WindyWalk
@WindyWalk 5 ай бұрын
@@AmbiguousAbsolute What joke? Yeah I hadn't considered the credit score aspect, it makes sense. Terrible situation for the guy.
@gracecase998
@gracecase998 5 ай бұрын
Poor guy. My son is 25 with a girlfriend, and I won't let him buy a house yet. I said if you do it's in your name only or married first.
@minoozolala
@minoozolala 4 ай бұрын
If he’s 25, it’s none of your business.
@gracecase998
@gracecase998 4 ай бұрын
@@minoozolala well he is my business since he lives with me. The reason I am telling him to wait is the prices are very high and so are interest rates, plus very little inventory. Plus he needs to save money down. Honestly my kid is none of YOUR business. I am trying to teach my son who works full time the right way to get into home ownership. He is no hurry. I just want him to be smart about it. So go keyboard troll somewhere else.
@minoozolala
@minoozolala 4 ай бұрын
@@gracecase998 Don't know why you feel a need to try to insult me. I didn't insult you. All I was saying was that the mother of a 25 year old man (yes, full grown man, not kid) has no business telling this man what he can and can't do.
@BlueDauntless
@BlueDauntless 2 ай бұрын
@@minoozolalaShe’s still his mother and living in her house. Therefore, he also should be following her instructions for her house. She’s doing right by him. Why don’t you butt out.
@minoozolala
@minoozolala 2 ай бұрын
@@BlueDauntless She can tell him not to leave dirty dishes in the sink if he’s living in her home but she definitely can’t forbid him to buy a house for himself. He’s an adult, a free agent, and can do whatever he wants. She likely just advised him not to buy but has put into a YT comment that she’s not allowing him. She’s having problems letting go of her control and importance in his life. I’m sure he wouldn’t say that mummy isn’t letting him lol.
@djpuplex
@djpuplex 5 ай бұрын
She found herself a sucker. She'll call the cops hire a attorney.
@MissDuke2012
@MissDuke2012 4 ай бұрын
Cops won’t do anything. He owns the house too.
@djpuplex
@djpuplex 4 ай бұрын
@@MissDuke2012 Oh yes they we will. He yelled at me and threatened me=restraining order
@lionmangolf
@lionmangolf 5 ай бұрын
This happened to my son & he took on a roommate
@lindab2323
@lindab2323 5 ай бұрын
But if she will not listen to reason, hiring an attorney for a partition sale will likely put them well underwater. That quickly, I am not sure how they would walk away with ANY proceeds (even 2k apiece) after closing costs. Most areas of the country real estate values are pretty static, and certainly not appreciating enough to cover commission, title charges, tax credits, et al quickly. Nasty does not come cheap. So that is not in his best interests either. They DO need to figure it out on their own. It does probably make sense to hold onto the property for a certain level of appreciation though. In that case she needs to fully pay the mortgage if she is living there on her own. THAT is what I would discuss. Not trying to force a sale and loss.
@apersonontheinternet8006
@apersonontheinternet8006 4 ай бұрын
Absolutely not, he needs to get that house sold yesterday even if at a loss. It is only a matter of time before she stops paying leaving him to foot the bill and she is likely to destroy the place on the way out out of spite either way.
@kennethvaughn5967
@kennethvaughn5967 5 ай бұрын
They don’t have to sell anything. She can agree to have it financed in her name only. She doesn’t want to do it because he is paying for half the house she is living in for nothing. The guy needs to just go get a lawyer and get his name of and out of it.
@apersonontheinternet8006
@apersonontheinternet8006 4 ай бұрын
No she can’t. If she had the means to buy her own home she wouldn’t have gotten a mortgage with a boyfriend.
@boblast5582
@boblast5582 19 күн бұрын
its only 2 grand... just tell her to buy you out if she wants to keep the house. or if thats an issue just walk away from the 2 grand. if you're paying half the mortgage it'll add up to 2 grand quick enough. just get your name off the house and let her do whatever she wants
@brett4932
@brett4932 5 ай бұрын
So wait...she's only going to get $2k back in profit if they sell?? So sounds like she put next to nothing into the deal in the first place. This guy should KEEP his house and just buy her out. Buy her out. Buy her out. Buy her out.
@ap1873
@ap1873 5 ай бұрын
he gave you an answer its a business transaction now. get it done- she gets out
@bryandelcid4065
@bryandelcid4065 5 ай бұрын
How selfish from her to have him wait for the equity to go up on the house while he’s paying half of the mortgage and not living there. Goodness grace, he dodged a bulled there imo. He should force her to sell or have her pay the full mortgage if she really wants to wait.
@susankurtz4306
@susankurtz4306 5 ай бұрын
He’s thinking with his heart and she’s banking on it. Follow what Dave has advised.
@distorbia20
@distorbia20 2 ай бұрын
She benefits a lot to have the house and he pays his half of the mortgage. She gets the full house and half payment is a win win. She knows the maths 100%
@cheeseballs3825
@cheeseballs3825 5 ай бұрын
I wouldn't even go face to face with an immature cold hearted person like her. Just send the letter. If she doesn't do what you want, get the lawyer involved. You can't have a civil conversation with an ex. Especially a manipulative immature person like her.
@wewhoareabouttodiesaluteyo9303
@wewhoareabouttodiesaluteyo9303 5 ай бұрын
Unfortunately, she is a female and that means she has a 75% chance of winning in court, even if she is wrong.
@motoryzen
@motoryzen 5 ай бұрын
​@@wewhoareabouttodiesaluteyo9303More like eighty nine or ninety percent unfortunately
@percivalgooglyeyes6178
@percivalgooglyeyes6178 5 ай бұрын
Is the new boyfriend now living in the house? And her kids?
@drtij_dzienz
@drtij_dzienz 5 ай бұрын
Why is he paying half the mortgage if he doesn’t live there?
@maryjoness2898
@maryjoness2898 5 ай бұрын
when i got divorced I got the house. I also got the debt that was associated with it. the total debt was about 2 times the value of the house. I paid it all off. once it was all paid he signed a quit claim and I made a will making our children the heirs.
@puppetmaster7479
@puppetmaster7479 5 ай бұрын
I liked u
@TheTopwaves
@TheTopwaves 5 ай бұрын
He meant capital gains tax, not income tax
@ArchanDelon12
@ArchanDelon12 4 ай бұрын
Capital gains tax requires a profit from the sale. Capital gains would be based on New Selling price minus the old Selling Price minus the Selling Fees. The house has next to no equity because they have been paying 100% interest for the last 7 months. If they sold the house for exactly what they paid for it they are both going to lose thousands in fees and not profit anything. If they can sell the house for more than they paid for it plus the selling fees, then they may have to pay capital gains on the excess. But that is very unlikely.
@OscarSchneegans
@OscarSchneegans 4 ай бұрын
Where are all the people from the previous thread who were saying that splitting up a house with your former shackup is easier than in a divorce?
@thomasdalton1508
@thomasdalton1508 4 ай бұрын
The question they didn't ask him was what contract they signed between them regarding the house. That's the critical question. How easy this situation is to deal with depends on what's in that contract. (And, of course, whether there is one at all.) It should be a simple matter of implementing whatever course of action they agreed in advance they would take in this scenario.
@OscarSchneegans
@OscarSchneegans 4 ай бұрын
@@thomasdalton1508 "It should be a simple matter of..." Add that to an infinitely expanding list of famous last words.
@thomasdalton1508
@thomasdalton1508 4 ай бұрын
@@OscarSchneegans Preparation is everything. If it isn't simple it is because you didn't prepare properly.
@OscarSchneegans
@OscarSchneegans 4 ай бұрын
@@thomasdalton1508 Okay. Good luck with that.
@thomasdalton1508
@thomasdalton1508 4 ай бұрын
@@OscarSchneegans What do you see going wrong with that that wouldn't be at least as bad with marriage?
@cyoohoos
@cyoohoos 5 ай бұрын
Five years of dating but he didn’t propose. Yet he bought a house and MOST likely they mixed other income. Does she work? I agree… cut losses
@Kojow7
@Kojow7 24 күн бұрын
I think the problem is not a math problem, it's that his lady does not understand how taxes work. She is thinking that if she bought a house for $246,00 and sells it for $250,000 they would have to pay taxes on the entire $250,000. However, they would only have to pay taxes on the increase of $4,000. She would only personally pay taxes on the $2,000. However, they are likely to spend more than that to pay the realtor and transaction fees, so they likely would deduct that and not need to pay any taxes at all. That sigh at 5:53 seems a bit strange.
@gtf5392
@gtf5392 5 ай бұрын
I would just tell her that you’re gonna list your half of the house for rent, if she doesn’t sell it.
@TheDjcarter1966
@TheDjcarter1966 5 ай бұрын
Should have never moved out!! While you were there the week after the break up. Should have called a realtor and made an appointment for time you knew you would both be there.
@CarlaQuattlebaum
@CarlaQuattlebaum 5 ай бұрын
How much equity could be in this house they lived in for seven months? She can't expect to get much.
@kay22100
@kay22100 5 ай бұрын
Is he still paying the mortgage?? I wouldn’t give her a dime
@chuckokoye2410
@chuckokoye2410 5 ай бұрын
Thats screws her but it screws him too, his name is also on the home. dave’s solution is probably the only way out of this for them, and even then they’ll both still lose money
@marcenelj
@marcenelj 5 ай бұрын
The reason I think he's still paying half of the rent is because they have a 7-month-old together. Once he stops paying, she would put him on child support.
@cynthiagreenhill5283
@cynthiagreenhill5283 5 ай бұрын
who said anything about having a sevenmonth old
@MaryBethMcCoy
@MaryBethMcCoy 5 ай бұрын
@@marcenelj They do not have a child. The caller said they got the house and lived together in it for 7 months and then she broke up with him.
@dhickmon6736
@dhickmon6736 5 ай бұрын
No don’t try to reason with her or talk to her. Go hire an attorney and do this the correct way.
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