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HeLeftMe
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$ Gift From My Parents / Kicked him out of house
      #213796 - 06/21/08 11:02 PM (69.138.128.91)
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Hello all,

I'm new to this board, so I'll give a quick summary... For the last year I put my husband through grad school. The day he graduated, he told me he was leaving me and I found out he had been having an affair for at least 6 weeks. During the year he was in grad school, I supported him financially as the sole wage earner in addition to depleting our savings.

QUESTION #1:
In order for him to be able to go to grad school and not work, my father gave me $15K he saved for me from my college savings that I hadn't used. It was deposited into a joint account and used to pay joint expenses while he was in college.

I'm not entitled to alimony in my state unless my husband agrees to it. A friend in the legal profession mentioned that the $15K from my father is considered a "non-marital contribution" and my S2BX should have to reimburse me, especially considering he left me immediately after I put him through school.

I know I can ASK for anything...but what are your thoughts on if I'm entitled to it legally?

QUESTION #2:
He was planning on moving out, but things got heated one night and I told him he wasn't welcome in our home (jointly owned). I changed the locks. He found a rental to live in and moved out. He has only been verbally violent during this time. Is there anything I can do so that he cannot legally break in? Based on a few threads I've read, he has a right to the property and he is threatening to move back in (just to piss me off, of course). As a side note, we're working on a short sale for the home so I am not paying the mortgage. Will I have to reimburse him for any of his rent since I technically kicked him out of our house (maybe not the best way to handle it, but he deserved it. Doesn't that count for anything?!?)?


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gigi
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Re: $ Gift From My Parents / Kicked him out of house [Re: HeLeftMe]
      #213810 - 06/22/08 12:52 AM (68.110.66.68)
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He may be a bum for living off of you and getting his degree at your expense plus having an affair, but please don't diminish the cause of people who have really been the victim of violence by suggesting that arguments between you make you a victim because of "verbal violence" unless of course his verbal violence consists of actual credible threats to hurt you immediately... The problem with accusing someone of verbal violence that has never been backed up with physical force is that unless it's an actual credible threat of imminent violence, everyone who has ever been in a realtionship knows how easy it is to mis-construe things, take them out of context. A good friend of mine was accused of being verbally violent for... after his wife told him that she wished he was dead, he said something along the lines of, "what do you think, I should kill myself!?" She started the tape going and caught him later in the argument saying, "so now you're going to accuse me of being violent, aren't you? You know I'm not, but you want to take the kids from me and there's nothing I can do about it, so maybe I should? Maybe I should!"

Based upon this, she was able to get a judge to let her keep the children an dhim apart for a few months before he was able to get a therapist to confirm that this was ridiculous and the judge reversed the order. By that time the kids had been indoctrinated to thinking Dad was a bad person to stay with.

And the tragedy of an absentee father hits another set of kids... this time by the design of the mother.

I know that's not what you're suggesting, but that's the result of these accusations. Be VERY careful about even the suggestion of violence if there is not actual danger.

NOW, that said, he owes you a moral debt of $15,000 for the money spent in finishing his degree. You gifted it to the marriage by voluntarily using it to support the two of you during that time, so it's highly likely that he has no legal obligation to pay you back, but if you can keep your nastiness and accusations at bay and find a way to make him feel bad for being the crumb that he is, he might just agree to take on this moral obligation to pay you back.

If you are losing your house to foreclosure (or short sale), then I'm gathering that the two of you are otherwise insolvent? And you were employed while he was not employed during the marriage? Well, it's highly unlikely that he'll owe you alimony... generally even though in our grandparent's generation, if a woman paid for a man to go to school, she'd automatically get to get some benefit of that through alimony, this is no longer considered appropriate. Now that women are in the workforce and given equal opportunities, we're expected in general to support ourselves. If we have wrecked our own careers in order to support theirs, that's one thing we can get alimony for... but if we simply KEPT our careerand SUPPORTED him while he was not earning a lot in the hopes that we were investing in a marriage... what this is, is simply a bad investment.

YOu have no idea how many men would be getting alimony if the standard for getting it were simply "I supported her through her education and spent my own money to do that so she should pay alimony to me now"!

The standards for figuring alimony tend to be what your earning capacities were during the marriage. If he could only earn $12,000 a year as a grad student and you were earning $36,000 a year as a fully employed person, you might end up owing HIM alimony ... IF that were the ONLY standard. One of the other standards is whether you and he are able to support yourselves now that the marriage is over. And you will be able to say that his income should pop right up there now that he's finished with his degree so you should NOT owe alimony to him. Finally, there is the general principle that if you made your own career worse by helping his, then you may deserve to get something... but that's not what you said you did. All you said is really that you contributed money to his education.

And most particularly, if your own income during the marriage was higher than his, it's HIGHLY unlikely that you'll be RECEIVING anything labeled "alimony". "Alimony", is generally something used to temporarily equalize your financial backing for your life. It's really mostly used for very long term marriages where the wife sacrificed her career in order to raise babies and maintain the household. It's often though of as some sort of "severance" pay for the job of housewife... or a bridge-the-gap type pay for someone whose job suffered because of the marriage and who needs a bridget in order to get her OWN education, get up to speed in her own career, etc.

Alimony is NEVER a clear thing just because we're women. The right to equal opportunities in the workforce put an end to the days when we could say that his vows to us meant that he was going to be our supporter forever rather than our parents (and that those were our only viable choices for a real income)!

Which is not to say that you might not deserve some kind of equalizing payment on a property/debt settlement for having essentially supported him in a way that he didn't need to take out an extra $15K in loan money over. That's property settlement, though... not alimony!

Sadly, as an investment, this partnership was a bad choice. Like many small business owners, you put more money into the investment than you would have done if you had known he'd be walking away as soon as he was able to make it on his own. So you may not be able to force him to give the investment back to you through the law. That would depend upon the laws of your state regarding property distribution, supporting each otehr through getting degrees & such...

BUT you have a chance at getting back the $15K or maybe half of it if you can convince him to be amicable and do the right thing by you. Becasue this is clearly a moral debt that he has to you.

Be very careful that your anger at him for being a jerk does not come out in a way that makes him want to do somethign that's not the right thing. He owes you this debt... morally.

But you were asking if he owed it to you legally. I think probably not for the reasons I mentioned here... which kidn of means that you need to be even more careful to negotiate this amicably rather than angrily.


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Jada
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Re: $ Gift From My Parents / Kicked him out of house [Re: gigi]
      #213812 - 06/22/08 01:01 AM (69.115.64.195)
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[quote]He may be a bum for living off of you and getting his degree at your expense plus having an affair, but please don't diminish the cause of people who have really been the victim of violence by suggesting that arguments between you make you a victim because of "verbal violence" unless of course his verbal violence consists of actual credible threats to hurt you immediately... The problem with accusing someone of verbal violence that has never been backed up with physical force is that unless it's an actual credible threat of imminent violence, everyone who has ever been in a realtionship knows how easy it is to mis-construe things, take them out of context. [/quote]

Or he could be verbally violent. She's there, not you. Not every case is like your anecdote.

Verbally violent may be a very accurate term for what he is doing.

Automatically assuming that she's exxagerating because your friend's ex did is a little silly.


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gigi
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Re: $ Gift From My Parents / Kicked him out of house [Re: Jada]
      #213817 - 06/22/08 01:42 AM (68.110.66.68)
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What exactly constitutes verbal violence? I did not assume that this was like my friend's situation (and I was only giving one example, of this situation there are so many examples it's scary).... I said that she needed to be clear if the violence was imminent and credible then it might be worth reporting or discussing, but if it's not, then for her situation she's shooting herself in the foot by even bringing it up becasue it makes the situation less amicable. And what she's asking is about finances, not violence in the first place... she wants to know if any of this inromation will help her recover her $15K or get alimony... and as I can see it, the BEST likelihood she has of getting either of these things is to NOT start with the accusations of violence over verbal sitautions.

As I advised, I think her best bet is to try to negotiate amicably, not to exacerbate the anger... and accusations of "verbal violence" are not going to help with that.

My advice stands.


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HeLeftMe
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Re: $ Gift From My Parents / Kicked him out of house [Re: gigi]
      #213829 - 06/22/08 08:11 AM (69.138.128.91)
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[quote]please don't diminish the cause of people who have really been the victim of violence by suggesting that arguments between you make you a victim because of "verbal violence" unless of course his verbal violence consists of actual credible threats to hurt you immediately...

To clarify, the verbal violence I referred to is him yelling and making hurtful comments. He is not making threats for my safety. He has admitted he became an alcholoic while he was at school - this was news to me. I'm unsure if we be an "angry drunk" should he approach me wasted, but I have no grounds to say he may be physically violent.


[quote]If you are losing your house to foreclosure (or short sale), then I'm gathering that the two of you are otherwise insolvent? And you were employed while he was not employed during the marriage?

We're now both gainfully employed making similar incomes. We simply want to sell our house but are "upside down" in our mortgage due to living in the second-to-worst county in the country for the real estate crisis. He was unemployed only for the time he was in school

[quote]Which is not to say that you might not deserve some kind of equalizing payment on a property/debt settlement for having essentially supported him in a way that he didn't need to take out an extra $15K in loan money over. That's property settlement, though... not alimony!

Thank you so much for your insight on this issue. It seems I need to negotiate for that to be part of the property settlement.

Any insight for question #2?


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gigi
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Re: $ Gift From My Parents / Kicked him out of house [Re: HeLeftMe]
      #213883 - 06/22/08 03:12 PM (68.110.66.68)
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Thanks for clarifying on the verbal violence issue. Too many people use that term these days to describe mean and cruel and angry talk, so it helps to pull the term "violence" out of the vocabularity of emotional cruelty.

If you're currently making similar salaries, no alimony will happen unless one or the other of you is intentionally under-employed just to get an advantage, and even then it would be really hard, take a whole lot of legal fees, just to get a few bucks out of it. Work on getting him to reimburse your $15K as part of the settlement.

On the rent, that's on him as long as you've filed. He COULD have gotten a locksmith to let him into the house even though you changed the locks, but he chose not to do that (and changing them maybe was a mistake on your part.) Once the two of you have filed, your separate living situations are generally something you deal with separately, unless of course either of you owes temporary support to the other...

Think of it this way: You both have a community obligation to maintain the mortgage on the house and the right to live there. If one or the other is kicked out, then that person deserves to get rent from the other (half the reasonable market value of rent, which probably has nothing to do with the costs of hte mortgage. But for you havign taken over the whole price of maintaining the house, electric, etc., while it's up for sale, you might want to say that's YOUR "rent". And HE is not at any disadvantage for having to pay his own rent any more than you are at a disadvantage for having to pay the full price of maintaining the house that's up for sale.

So I think that unless he pursues you for rent and has some explanation other than that you're paying to live in hte place you're in and he's paying to live in the place he's in... if he has been paying the mortgage maybe and you have been letting it go, then he could come back at you for part of it... but as it is... he has no right to say that he has been unfairly required to pay for your lifestyle while he pays rent separately.

As it is, I'd say your best bet is to sever your ties with him quickly and as calmly as possible. Find a way to swallow your anger for a while and tell him you're sorry for the nastiness, you hope he gets the help he needs for his alcoholism, and you can't be part of the drama any more. Ask him if he has a plan for paying you back for the money you spent on his degree... since it was living expenses for both of you while he was getting it, you might want to offer to take half of the loss on your own and accept only $7,500 as a compromise... (only do this after a whole lot of discussion) and find a way to put that on paper and finalize it before he changes his mind and demands expensive lawyering to come to the same result... because the expensive lawyering to argue these matters will very much exceed the value of the things you're arguing over!

Good luck and thanks for clarifying on the mentally cruel stuff. By the way, it's perfectly reasonable to call it cruelty, just be careful not to mix it up with violence... don't let it get mixed up in anyone's mind. Mental cruelty is evil enough. I mean it's REALLY evil. My husband endured a lot of that in his past marriage. There was also some physical violence that his ex did on him... biting & hitting... but she was so small that it did not rise to the level of causing physical damage (other than broken skin for a very few of the bites... no lasting harm). The mental cruelty was truly evil, though. Physical abuse is easy to point a finger at and say, "wrong"... but the emotional stuff, it really twists your mind and plays with your self-image and is hard to put a finger on. It's very damaging! It's bad ENOUGH and shouldn't need to be combined with the term "violence" to make an impact. And when people mix the terms up and do combine it with the word "violence", they diminish both thier own cause of mental cruelty as well as the cause of physical violence... by making the people who truly experience physical violence or threats of violence look less credible for the fact that inaccurate descriptions of violence are so common.


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stoltz
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Re: $ Gift From My Parents / Kicked him out of house [Re: HeLeftMe]
      #214124 - 06/23/08 01:06 PM (32.97.110.142)
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If at all possible, try to get someone to buy your house via a short sale. It's a LOT better than a foreclosure as far as your credit is concerned. Banks are very open to doing short sales at this time, especially, in counties such as yours. Talk to a seasoned RE agent more about it as there are some other issues to consider.

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gigi
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Re: $ Gift From My Parents / Kicked him out of house [Re: stoltz]
      #214132 - 06/23/08 01:30 PM (68.110.66.68)
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I've seen mor ethan one person do this recently, the short sale thing. It works better if you're not paying the mortgage. I had one friend try to re-fi out from under an unbelievably bad mortgage deal and they refused to let her becasue she was still able to afford the mortgage. In a week, when the thing re-adjusts up again, it's going to be impossible for her to pay so she's goign to have to do the short sale thing or let them foreclose. VERY short-sighted on the part of her lending company not to convert it to a fixed rate as she had asked... because they're going to now have all the costs of yet one more foreclosure or short sale on thier record.

And it seems they're becoming more and more iwlling to do the short sale thing as time goes on. JUST becasue of the current mortgage crisis.

Good luck.

Difference in strategy between short sale and foreclosure really seems to be that in order to save your credit with the short sale option, you need to keep the hous enice & clean and show it just like you were selling it for a profit. If you can get someone to agree to buy it... it's a great idea and definitely worth the trouble of keeping it looking nice & ready for sale!


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stoltz
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Re: $ Gift From My Parents / Kicked him out of house [Re: gigi]
      #214140 - 06/23/08 01:53 PM (32.97.110.142)
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It also depends on the state as different states have different laws regarding foreclosure. For example, in Texas, a lender can foreclose and get their house back in as short as 21 days. Some other states, the foreclosure process can take upwards of 9-12 months to complete.

Gigi is correct in that a lot of lenders are being more proactive about helping troubled homeowners today than in the past, due almost entirely because they already have a large inventory of foreclosed (or soon-to-be foreclosed) homes. Having a large inventory of foreclosures gives a lender a black eye as far as being in good with the federal government. Banks don't like being in that position.

Being that you are upside-down is actually a good thing WRT short sale as most retail buyers won't touch a home that is listed higher than FMV (fair market value). Your best option would be to enlist the aid of a good Realtor(tm) who knows about short sales, who can assist you.

It's funny, but contrary to what Gigi said about keeping the house neat and clean can actually work AGAINST you. This is usually because a lender will have a BPO (broker price opinion) performed, which is basically an appraisal by a RE broker. The lower the appraisal, the better your chances are that someone will buy the house as the bank will usually list it for the BPO amount (initially). If the place is filthy, damaged, and just plain ugly, you can bet the BPO will be lower. DISCLAIMER: I am NOT suggesting you intentionally damage your home to get a lower BPO, I'm just pointing out what I've experienced as a RE investor.

As a very last resort, try to find a local RE investor who may be willing to buy your house from you (usually via a short sale). Just be careful because many of them are sharks and don't give a crap about you or your situation.


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