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Please help! About a year ago a bought a house with my now X boyfriend. I was really young and stupid, 24 at the time and he was much older. About six months after we purchased the house he developed a drinking problem. For my own safety I moved out and have been living with friends ever since. He agreed to put it on the market after I left but nobody bought the house. It’s out in the country quite a ways which made it hard to sell. After our contract to sell the house ended with the realtor he told me he wanted to keep the house and that he would take over all the mortgage payments. I begged him to refinance but he wouldn’t. Three months ago I found out that he stopped paying the mortgage.
I have hired an attorney and got an agreed order where he pays 60% of the mortgage while I pay 40% we both can’t afford the payments by ourselves. The house was put back on the market. He lives there with a roommate while I am renting somewhere else. Nobody has been interested in buy the house so far.
Last week I found out that he is filing for bankruptcy. Sigh. I don’t know what to do. I am in the process of trying to get forbearance on the mortgage. I have paid 2 of the last late payments so I am only a month behind. He is till living there and my lawyer so far has not been much help. I don’t know if I can’t sell the house in time is it better to claim bankruptcy myself instead of letting the house go into foreclosure? I have no other dept except of the house and a very good credit score so it kills me to have to do either. Any advice would be helpful.