Summary
An 11-hour-old child cannot legally sign a mortgage in New Mexico, making any such contract unenforceable. If BOK Financial claims otherwise, consult an estate attorney to dispute this. An irrevocable trust should protect the house from foreclosure unless the trust was violated.Full Conversation
Mortgage
I am sorry for the confusion, but your response wasn't clear. Are you a legal guardian or executor of the child's estate, and was the child a minor when the judgement was made?
Yes I am, hes 11hrs old
I see, this is quite a complex situation. To better assist you, could you please clarify what the judgement against the child's estate is related to? Additionally, are you in New Mexico, as mentioned in your initial response?
Yes
I understand your concern. In New Mexico, an estate can be held liable for a deceased person's debts. However, a minor's estate is generally protected. Can you specify the basis of the judgement levied against your child's estate?
Foreclosure for his house that is in Irrevocable trust
I see, this is a complex situation. In New Mexico:
- An Irrevocable Trust can't be modified without the consent of the beneficiary.
- If the house was in the trust, it should be safe from foreclosure.
- If foreclosure is happening, the trust might have been violated.
You should consult a probate or estate lawyer.
He did sign the fraudulent mortgage
I understand your concern. However, as an *-hour-old child, he cannot legally execute a mortgage. Could you clarify who is claiming that your child signed this mortgage?
Not
I understand your situation is complicated. In New Mexico, an *-year-old child cannot legally sign a contract such as a mortgage. Can you confirm the mortgage was signed by your child?
Bokf
I see. If BOK Financial (BOKF) is claiming the child signed the mortgage, it's important to know that:
- An *-hour-old child cannot legally sign any contracts in New Mexico.
- Any such contract is unenforceable.
- You should consult an attorney for legal proceedings to dispute this.
Thank you
You're welcome! If you have any other questions or need further clarification, don't hesitate to ask.