Posted: Sat Feb 05, 2011 10:24 am Post subject: cosigner off thru affirm
Posted: Sat Feb 05, 2011 10:24 am Post subject: cosigner off thru affirm
Posted: Sat Feb 05, 2011 10:24 am Post subject: cosigner off thru affirmation agreement
--------------------------------------------------------------------------------
I refinanced my house thru someone I thought I trusted and because my daughter was on my bank account, the lender required me to put her on my loan. She was in school at the time an not even working. I put her on my bank account so I would not have to babysit every time she needed something. She lives on her own now and even bought her own house and has never paid a dime to the house and never will no matter what. I am filing bankruptcy now but want to keep the house. Do you know if it is possible that I could negotiate with the lender that I will reaffirm if they take my daughter off the loan? Can she be taken off the loan in a reaffirmation agreement? I am not behind on payments and do not plan to be. My daughter should have never been on that loan. Your help is really appreciated. Thank you.
_________________
1 Answers
Votes
Older
Newer
1
You need to consult with an attorney, in my opinion. I don't see any reason why a lender would do that. Simply because someone is a joint owner of a bank account has nothing to do with ownership of a home, or liability on a mortgage.
An attorney might be able to rectify this...this is just my opinion, but I think you've got a claim that could be filed against the fools at that bank. Check that out. I think what they did is so far off-track that it is likely to be illegal.