I am writing for the sole purpose of venting. I have had it. I'm done. I am mentally exhausted. Ryan still hasn't removed me from the loan. He lacks credit and his debt ratio is too high to do a "qualified assumption" or refinance, no one will co-sign on the loan with him (can you blame them) the only other option is to sell. The house doesn't have enough equity and would end up being a short sale or just get foreclosed on.
This has been going on for over 2 years. As part of the decree he was given 1 year to refinance, because he hasn't I can have a contempt order issued. If he declares bankruptcy, which is a very real possibility, it will hurt my credit. It'll look like I have a judgement against me. I can provide all of my paperwork to the credit report agencies and hope that they will read it and note my score.
Ryan tried to do a loan modification, which would also negatively affect my credit and still keep me tied to the house. He did all that under the guise that it would remove me from the loan. After 2 hours on the phone with 7 different people I confirmed that I would still be attached.
To top it off, I listened to him scream at me and rant over how this is my fault. That I want him to live on the streets, etc. It's ridiculous. I feel helpless and useless. I'm screwed either way. I hate this. I hate being reminded that I was stupid enough to marry this person. I'm stuck and have extremely limited options and none of them are a clear choice.
