I was an idiot and bought a home with my cousin. We jointly own the home. I got married and we had a baby and my cousin and I decided that I would leave the home. She signed a lease in June stating that she would be 100% financially responsible for the home for one year and keep the home in good condition. She never paid a penny. I found out in August she was going to file bankruptcy and walk away from the home. I worked with an attorney to get her out of the home so I could work figure out what to do. She did not leave until mid-September (now the home is 4 months behind in mortgage) and the house was a mess. All the appliances were missing as well (brand new stainless steel appliances that were part of the mortgage) when I finally gained entry into the home. She signed a Quit Claim Deed over to me as well. I cannot catch up on the payments and so I got the home ready to sell. She damaged the home, left it a mess and stole the appliances. I replaced the appliances (with second hand, not as nice white appliances) cleaned the home and fixed the damages. I also have to maintain the yard as well. I started working with a real estate agent and they said I needed her signature to sell the home. I called the bank and they agreed that the quit claim deed really does nothing for me at all. I had my real estate agent call my cousin to ask her to work with them to sell the home, she refused. She said she’s going to file bankruptcy and walk away free and clear, leaving me to take care of the finances of the home. My agent told her that the foreclosure that could happen would still count against her and my cousin just hung up on her. I had my father talk to her mother (they are siblings) and that got me no where. She won’t speak to me as she is "afraid" of me (she’s a lying, deceitful, nasty human being, unlike myself and I have never done anything to her except have her kicked out of the house that she lived in without paying for 4 months). Anyhow, so I have tried every avenue that I can think of to have her work with the agents to sell the home and not have a foreclosure, I feel like I am being held hostage financially. I haven’t received anything from her lawyer about her filing bankruptcy (and she hasn’t yet, I check weekly with the courts). I have a couple of questions -
1. Anything I can do to her for not working to get us out of this financial situation that she put us in? Can I legally hold her responsible?
2. When should I file a case against her for the broken lease and damages to the home? Should I wait a little longer to see if she’s putting that on her bankruptcy or not?
Thanks for any answers…
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