Husband Abandoned Financial Responsibilities

Summary

If your husband abandoned you and left you with significant financial burdens, both parties are generally responsible for debt if they co-signed the loan. You may want to consult with a lawyer to ensure your husband is held accountable. In Alabama, co-signers are usually equally responsible for the debt. You can also consider discussing a new payment plan with the bank. If you are facing an abusive situation, consider seeking help from local resources or a restraining order. For financial assistance, you may explore USDA rural development programs, especially if you have low income and a credit score of 640 or higher.

Full Conversation

I haven't seen my husband since *. He abandon me with broke back, knee, ankle, fractured ankle other and a fractured wrist and the bone was proteuding awaiting surgery. He let bank take farm, liquidated all our assets, our cows, sheep,goats and chickens. He without asking took my car at night back to bank. He was co signer. Now I'm being asked to court it sold. His name is not on papers. I thought he was also respondsible.
What state are you currently residing in? This will help me provide you with the most accurate information regarding your legal issue.
Alabama
What is the exact legal issue you're being taken to court for? Is it related to the car or the farm?
Car
What is the reason given by the bank for taking you to court?
Returning car so he wouldn't be responsible
What was the agreement with the bank when the car was purchased?
Yes he was on it. He turned in on weekend never asked me. I was all broke up and he left me with no transportation
What was the exact agreement you had with the bank regarding the car loan?
It was community south credit union. I lost my papers and called yesterday. They said, I was first on loan and he second. He was just as responsible
What was the reason given by the bank for not holding your husband equally responsible for the car loan?
The clerk didn't know. I asked them to please hold him accountable to
What is the name of the court where your case is being heard?
Holmes county courthouse, bonifay, fl
What is the date of your court hearing?

Holmes County Courthouse contact details:
Address: * N Oklahoma St, Bonifay, FL *, United States
Phone: +* *-*-*
I have to pulls my papers back out. It's been a week I have 30 days. The bank said I could make a new payment plan. I don't have much. But I'm going to try
What is the new payment plan proposed by the bank?

In Alabama, both parties are generally responsible for debt if they co-signed the loan.
I have to call them back. They said I could talk to there attorney or avoid them by arranging payment.
What is the amount you owe to the bank for the car loan?

In Alabama, co-signers are usually equally responsible for the debt. You may want to consult with a lawyer.
*
What is your current financial situation? Are you able to make regular payments towards the loan?
I'm on disability. I'm trying to keep my head above water
What is your monthly income and expenses? This will help to understand if you can afford a new payment plan.
* rent is *,electric *, * internet, * tv
What is your plan to manage the remaining amount after paying your monthly expenses?
I'd like to offer * plus when I can
What is the bank's response to your proposed payment plan of $* per month?
I haven't discussed I wasn't sure if it was legal
What is the name of the bank you have the car loan with?
Community south credit union. I had two loans one for Malibu, returned. The other was a Harley. It was paid off . The bank had the titles and documents messed up.
What is the current status of the Harley loan and how did the bank mess up the titles and documents?
Paid in full no late payments. In my name
What is the bank's response to the Harley loan being paid in full and the title being in your name?
Go to DMV, bike was my husband, why loan in my name. Title registration in both
Malibu loan in both title in both
What is the current status of the Malibu loan and how did the bank handle the titles and documents for it?
Bank sold car. Court holding me responsible. How do you get a *-*
To get a *-* form, you can request it from the bank or the entity that paid you. It's used to report various types of income other than wages, salaries, and tips.
I have list my job, my health, farm, car, Harley and pretty much everything. He said he would sign papers for divorce but I haven't talked to him in years. I've been evicted three times, I received my back pay for disability and my boyfriend took it all. I live in a abusive controlling life now
I'm really sorry to hear that you're going through this. Have you considered getting a restraining order against your abusive boyfriend?
I can't get away. My back has three fractures and my truck broke down he won't fix it. I'm trying to an now.
What steps have you taken so far to get away from this abusive situation?
My daughter has a couple acres near her in Illinois. I need to put a trailer on it. It had a delapitaed trailer. So it has utilities just need home. I've been packing boxes and removing them to a friend's when he's not here. He's been robbing me blind
What steps have you taken to secure a trailer for the land in Illinois?
I'm looking online daily. I'm going to call USDA rural development to see if I qualify. I've owned my own home since I was * I'm now *.
What is the process and eligibility criteria for applying to the USDA rural development program?
Low income and some credit scores. I've been trying. Had student loans deferred, some paid or charge offs
What is your current credit score? This information is crucial for USDA rural development program eligibility. Generally, a credit score of * or higher is required.
*
What steps have you taken to improve your credit score?
Took a small loan paid off in a year, nothing late
That's a good step towards improving your credit score. Have you considered getting a secured credit card to further boost your score?
I have talked to capital one. I started that way twenty years ago . I'm trying, when you think maybe next month we're done life happens
What is the current status of your application with Capital One for a secured credit card?
I was told send income verification bi wasn't able by the deadline but I will try again soon
What prevented you from sending the income verification by the deadline?
No printer, money or transpiration. I live in rural area. Only know one person
What is the nearest public library or print shop to your location? They might be able to assist with printing your income verification.
* miles. I'm looking on marketplace but I still need a ride
What is the name of the city or town you are currently residing in?
Abbeville Al
What is the name of the court where your case related to the car loan is being heard?
Holmes county court bonifay fl
What is the date of your court hearing at Holmes County Courthouse in Bonifay, FL?

Holmes County Courthouse contact details:
Address: * N Oklahoma St, Bonifay, FL *, United States
Phone: +* *-*-*
It says final judgement may *, *
What is the final judgement about? Is it related to the car loan or something else?
They want proof n copies of all finciql. The bank said it never went to court because of covid. But these are legal documents with stamps
What kind of financial documents are they asking for?
Pay stubs, taxes, bank statements, motor vehicle, child support,real property, social security,wills, accounts receivable n payable,investments, etc..
What is the purpose of providing these financial documents to the court?
To see what I can afford
What is your current monthly income and expenditure? This will help us understand your financial situation better.
I get *. It cost *-*. I'm behind on utilities but I am working with them
What steps are you taking to manage your expenses and catch up on your utility bills?