1st...her house origanally with her ex-husband, i moved in 7yrs ago and automatically assumed half the bills...they put money down, not sure on the amount but i have renovated basically the entire home ($10 000 in materials)
You guys are common law right? Basically she's going to claim that you paying "1/2 the bills" was "occupational rent". Can you prove the $10000 in materials? Receipts/bank statements/etc?
Here's the thing, you should be obligated to receive your 10,000 back you spent in materials, + you can argue for a share of the increased value of the home as a result of those renovations.
d...suckered into renewing mortgage just late last yr on the intent that the relationship was going to b worked on and 2nd mortgage was matured
I was going to suggest sucking it up and floating along until it's up for renewal. She can't renew it without your signature.
7th...i can do that!!!??..i can record all the stuff going on!!??
Google Voice is your friend dude. It's not typically worth jack shit in family law, however to protect you from a false DV charge...totally worth it's weight in gold. The quickest way for her to screw you over is to provoke a fight, call the cops, claim you hit her, and then have you hauled away. She files a restraining order. If any of it sticks, jab a fork in yourself, you're done.
Move into a separate room if you haven't already. Put a lock on the door. Get anything of value that YOU brought into the relationship (not what you bought together) the hell out. Gather copies of any financial records (ie. mortgage docs, savings, accounts, RRSPs, etc.).
Get photo/video evidence of any items purchased during your relationship. Then get ALL that evidence out of the house. Rent a storage locker, a safety deposit box, store it at a friend's place, etc.
Practice "radio silence". Don't engage her, don't speak to her. Until the ink is dry on the legally binding agreement, it's fuzzy pink bunnies and glitter farting unicorns.
If there are any services in just YOUR name (ie. phone, internet, cable, etc) then cancel them. Buy a prepaid cell and use that. Do your own grocery shopping, buy only food you like (her hating it is a bonus, but not needed). Do you normally do laundry? Do ONLY your own. Clean up after JUST yourself. Her mess, and her son's is HER problem.
Any joint lines of credit, credit cards, etc....call the holder and have them frozen. You can't cancel them with a balance owing, but you CAN make it so no further withdrawals can be made on the remaining credit. Try and make arrangements to pay 1/2 the mortgage directly, let her worry about her own 1/2.
You need to engage the services of a FAMILY LAWYER. What you have here is a common law relationship with equity issues that need to be addressed. (specifically regarding the joint debt, the cost/value of the renos you performed and the resultant constructive trust claim you may have on the equity in the home).
) it was the best $70 I ever spent!