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-- Cincinnati Ohio hey Lance how are you tonight.
I -- are you better than I deserve how can I help.
At first I wanted to say thank you very much my wife and I we just got married here couple years ago this -- you got -- we took your class.
We're -- -- -- -- about 30000 dollars in debt.
You been able to save up about so much as well for announced they -- also want to say thank you first congratulations that's very cool.
Thank you think -- unfortunately my father's.
Has kind of created a -- for himself.
I'm having taken your clock.
I advised him not just Echostar and I'm alone for my sister.
Industry a little bit of a background here my sister and her husband.
They -- had all kinds of trouble drug abuse and things of that nature.
Very sketchy work history.
And so he cosigned anyway how despite my advice and Dustin he didn't actually he's he's made every payment.
For them including some utility payments as low.
And he's got to the point I know he's in -- now because of the situation.
I'm and so I know the best thing in the world would be -- to -- -- -- you know but also having full house recently I know they you have to.
You know get keep it clean yet to make it look -- and -- -- -- -- A solid college that they live and that's what he cosigned for.
Contract out for my sister and her husband so literary yes I think what -- can't has he -- the figured out that he messed up.
He -- has it figured out that he messed up and how he -- your sister.
And autumn day of the.
Then move the -- drug addicts out.
Clean it up Gonzales.
Well I know that's the best case scenario but they are on the -- for the -- and actually we went over to the house recently.
You know to actually start that process.
And my my brother won't let -- -- like -- that good I don't like claim on the Gaza City but anyway he he called 911.
Which are gonna come because his name -- -- that these.
-- -- you know I know that I -- think.
That -- follow this -- a motion with the court to have the partnership dissolved.
And -- -- to the -- partnership will be forced to be sold by the court -- cost about 3000 bucks.
Okay your -- in a general partnership.
With the drug addicts.
The drug addicts committed in the partnership to pay the payments.
They haven't violated their commitment and so the partnership needs to be -- your -- needs an attorney.
Just literature OK listen any more on that I'm -- his house payment calls -- 11 while I'm there.
I'm gonna get this jerk out about 35 free -- seconds.
The days of be in nice and sweet and they blurs -- over.
All right yeah where were totally drug addicts in the street.
Well -- I was just wondering if god if we can do that that's grade I was worried that.
You know if you if you dismiss stopped making the payment that somehow they might put a lien on his house.
We're here -- -- there because he has the -- in his name.
They're gonna get foreclosed on which is him getting foreclosed on and they're gonna come after him for the deficit.
Okay but you're saying if we go to a lawyer and do what you just said that won't happen what a harsh words.
-- not much probably.
That you that I think they purchased it for around seventy and that's probably not even worse.
55 it -- or it.
Well there's two options aren't must walk -- detail.
Option number one -- you spend three to 5000 dollars in attorneys' fees to have the partnership dissolved and forced the sale of the house.
In and you will win that court action it will take you several months to do that in the meantime you're -- -- the payment on the house.
And when you do that.
Then you've got to put the house up for sale it sells for 55 -- -- if he has any assets they're gonna ask him to pay that difference otherwise it's gonna have a short sale.
Just to the left of a foreclosure on his record got that.
It option number two just quit paying the payments and let it be foreclosed on and deal with the deficit when they come after him.
They'll sell the house for 45 or 50000 of them are coming your bad for -- He can settle that for ten cash and be done he's gonna come out -- less problems that way.
But it just delay it or -- yeah -- -- employment.
-- -- there's no way that puts his current how that he actually live today and is -- is current on the payments it's not gonna put itself in jeopardy.
It does if he doesn't deal with the deficit after the foreclosure.
Just like if you didn't pay your credit cards -- to put your house in jeopardy eventually because they -- -- you get a lien against your house for an unpaid debt right.
Anytime you don't pay a debt it put -- can take a lien against any of your assets.
But it's not gonna just automatically come over and jump on your dad's house he's gonna have several opportunities to deal with this and just.
Make it a friendly for -- call the mortgage company up and go for close quickly please.
-- fast as you can -- right now I'm not gonna pay any more payments.
For close very very fast the faster you foreclose the less damage you're gonna have and less I'm gonna have to deal with you later because I can't get mr.
-- 11 out.
So you got gotta get him out.
And then try and then tell your dad to call your sister are better -- that call this dude what the 911 finger and explained to him that -- or put him in the street.
Yeah order it what -- -- I mean if that and make your dad ticked off enough to take action he's got no spine.
For real Rick.
Under oh my gosh it's unbelievable.
And the sad thing is is his sweet little daughter no longer -- little daughter is attached.
To this idiocy.
And as part of it.
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