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How Dumb Is It To Intentionally Lose My House To Foreclosure?

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In Virginia.

Caught my fiancé cheating on me and am pulling the plug.

I own the house and she’s never paid a bill, but this is her mailing address. We’ve fought to the point of breaking up before in the past and, during those fights, she made clear her intention to squat for 6-12 months of if I try to evict her and steal all my stuff.

Under different circumstances, I would just evict and move on. But she is physically abusive and I know 1000% I will not be alive by the time she has to leave unless I get out.

She has nowhere to go (dude she’s cheating with is a now married ex of hers) and she has no one to help her. I don’t care anymore about any of that, she made her (ex’s) bed, just saying it to support the fact that I know she isn’t leaving this house willingly. But, when she finally figures out she’s screwed I know she’s going to come for me.

I have family in another state. I am considering moving in with them, stopping payments on the house (saving it for when I have to pay it back) and intentionally taking the massive financial hit of foreclosure and losing absolutely everything just to get out with my life.

I’ve had the house a year and saw that deficiency fees are 5-7% ($17k-$30k, didn’t do the math just guessing). I can manage that plus whatever hit to my already bad credit.

Obviously can’t afford an attorney right now and even if I could I won’t be in VA.

I bought the house for us and her two kids so I don’t need or even want it after this. I can’t live in this state anymore now anyway out of fear.

I know this is nuking my own life, but I don’t see any other options. I have a decent job and think I can recover in a few years.

My questions are: - what else should I be preparing for if I do this? - is it illegal to just save the money to help pay my foreclosure debt instead of paying the mortgage?

And yeah, before anyone asks, once I’m safe and all is said and done, I’m finding ex’s wife and sending her the screenshots.

EDIT: Found out like 3 hours ago and it’s her daughter’s birthday so my bad for not doing the math or not thinking clearly. My life is destroyed and I’m focusing on how to make sure it doesn’t end and I can still come back from it.

Also, I don’t care to ever own a house again. I’m fine renting. Not worried about what this means to future partners, creditors, etc. I need just need out.

submitted by /u/heydumbquestionbut
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