mortgage payments

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ringettteplayer

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ok so been separated 6months now, we have 1 joint account for the mortgage i tried to get that mortgage moved to my sole account only to find out my stbx has already moved the mortgage payments to his account he is now completely floating 2 mortgages he does now not pay me support as he says he is covering the mortgage the rest is my problem. I was a stay at home mom for 12 years. If i move from the matrimonial home will i stand the chance to lose equity? He lives and purchased a house in alberta 6 months ago
does anyone have suggestions as should I move the mortgage back into my sole account, I tried to get an appointment with my lawyer and was told no. I cannot even get a phone appointment, my lawyer doesn't do email I am so frustrated and scared
does anyone have any suggestions as to what his motive is by doing this?
thank you
 
How many kids? How much does the ex make? How much is the mortgage payment? Is it close to the guideline amount of CS?
 
mortgage

mortgage

hi the mortgage payment is $360.00 a week
he makes $3550-5000 per week
he was giving me between $1400- $2500 per month
that has now changed he doesn't give my support now as he has moved the mortgage.
we have 3 elementary school aged children that live with me he has not visited them in 6 months we are in ontario he is in alberta
he is trying to claim that i withold him from seeing them but he is on vacation right now with his new gf and her 4 or 5 children.
I think his motive is that since he has a stable job, excellent pay and is finaniically responsible he wants custody of the children and he is trying to "look" responsible and stable to the courts by making me look incompetent financially. he just left when he left abandoned everything here everything and wants and will not return to ontario
 
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He is stiffing you on CS by over $2000/mo. And that's not accounting spousal support (if you are entitled).

Mtg payment: $1548/mo
CS for 3 kids, assuming he makes $200k gross yearly: $3596/mo

Justice Canada - Child Support Online Lookup

As long as he decides to stay in Alberta, he will not be able to have shared custody (i.e. roughly 50-50 parenting time), which would be pretty much the only thing that could significantly reduce the CS.

Only other major shared debts would affect your entitlement to 50% of equity in the house.
 
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You are still getting 1440/month from him by virtue of the mortgage payment.
If you go by the online lookup, I'm assuming his gross income is over 200K/year.

At 3 kids, in Alberta @ 200K/year, he should owe guideline support at over 3500/month.

You need to get to a lawyer and file a motion for support. You probably do not qualify for legal aid, but you should be able to find a lawyer who can help you based on your anticipated cut of equalizatoin.
 
payments

payments

yes thanks he doesnt see the need to pay for the children now as he is paying for a roof over their head.

i have a lawyer i am just waiting for CRA to send me my income tax returns as I have all my other financial papers ready I made a whopping $1,200 last year compared to his $171 000. he will not pay me spousal support, he has made that clear he says he will pay child support but that is it, and he doesn't even do that. I find my lawyer soo difficult although she must go through this bulls*hit everyday!!

I was planning on taking a job in alberta and relocating however now maybe its not such a great idea until he has been served at least
 
any thoughts??

any thoughts??

the thing that pisses me off is I specifically told my mortgage broker not to move the mortgage and she assured me she wouldn't i now find out he moved it aug 13.
what does this mean to me? I live in the matrimonial home and he pays the mortgage what is the motive/ deal with why he is doing this???? any thoughts thank you
 
ringettteplayer said:
the thing that pisses me off is I specifically told my mortgage broker not to move the mortgage and she assured me she wouldn't i now find out he moved it aug 13.
what does this mean to me? I live in the matrimonial home and he pays the mortgage what is the motive/ deal with why he is doing this???? any thoughts thank you
Click to expand...

I think you already established this... he feels that by paying the mortgage he does not have to pay for CS... thus he is "saving" a butt load of money!
 
equity

equity

won't this have an impact on me though? I figure he is trying to paint a picture of himself as, financially stable, and employment stable he has a nice $400 000 dollar home. I wanted to move out of this home and put it up for sale. How do I know if he pays the mortgage? I just don't know why he would pay it except if it benefits him somehow.
 
Assuming his name is on the mortgage, then he is protecting his credit rating.

Assuming your name is on the mortgage, then you might be concerned about your own credit rating.

His 'boasting' about assets and financial means is more likely to increase the chances that courts and MEP are effective in enforcing proper CS payments.
 
thank you

thank you

You are sooo right its soo nice to have uber smart people on here to give me sound ideas! I was panicking all day as too how this was going to screw me haha now its so reassuring its gonna screw him and his selfish self. thanks
 
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