My ex said that she was going to remortgage our house under her name within six months of our divorce. That time is almost coming to an end and now sheโs saying that she canโt remortgage the house. What legal options do I have?
Yes, you can file for an "Order to Show Cause" or contempt action against her. If she is found in contempt (if she has not made reasonable efforts - since the divorce court cannot order a bank to lend to her), she will be placed on a purge plan to seek refinancing or sell the home to get you out from under the mortgage. You should bring your decree and agreement to an attorney to discuss your options. Best wishes.
Did either one of you have a lawyer representing you in the divorce? It is almost always a good idea. If you had one, go back to him or her and ask about the merits of bringing a contempt action. A defense to a contempt motion is inability to perform. That may have happened in this case. In which case you probably want a new order requiring her to try, say at least once per year, and give proof of her application.
Go back to court and ask them to enforce the Judgment. Sometimes, just serving her with your papers and notice of a court date (also requesting she pay your attorney fees) will motivate her to do something.
What matters is what is in the divorce decree and property settlement incorporated in it. If that orders her to refinance, you can go to court on a motion to compel, if it was just a verbal agreement, it's meaningless. All issues relevant to property in a marriage must be incorporated into the decree.
Divorce agreements and settlements are enforced in the divorce court. I would have to redo the judgment or settlement before I could render an opinion as to what options you might have.
You can go back to Court and ask the Judge to issue an Order requiring the sale of the home. If she can't remortgage the home under her own name, there is a good chance that the Court will issue the appropriate Order. Good luck.
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