Quit claim deed under my ex, Mortgarges under my name
Hello I need your help.
I was married x 15 years, we have a daughter, and the final judgement was filed on April 2014, my ex is an Orthopedic Surgeon, and at the time of the divorced I had a bad luck finding an attorney that could represent my interests (first attorney vanished after I paid her the retaining fees, the second and third one whappends to be my ex husband's friends and due to my ex pressure I signed the Marital Settlement Agrrement without any counseling or attorney reviewing it for me)
We had 3 Properties together.
. I kept one with no mortgages and less value (about 350k)
. He kept the one we were living with a Loan x 600k and market value more that 1 million (The Loan is under my ex name and my name)
. He kept an apartment by the beach, with a Loan just under my name and value around 350k
. He also was supposed to pay my car insurance until the Lease expire (it will expire next April 2016) $153 x month
Among other agreements in reference our daughter that there is not need to mention)
According to the MSA, Quit Claim Deeds needed to be executed after the final judgement and they were done according to the final judgement (I signed two QCD for his 2 properties and he signed the one for my property)
What happened was that he was late several time paying the property that the mortgage is solely under my name.
Also he stopped paying my car insurance
.
I went to the Bank and I was told that even though I signed a QCD on his name for this property, the Loan is solely on my name, therefore I am the only responsible for his apartment debts.
In that moment I realized that I made such a big mistake, for not hiring an attorney at the moment of the divorce.
I hired an attorney on June 2015, he filed two motions for Content and compelled (for not paying me the car insurance) and the second motion to try to make him Re finance the two properties that he kept, and my name is Solely in one, and we are together in the other property.
After a long journey with my ex, and using some leverage he agreed to pay in full the loan that is solely under my name (138k) but my biggest concern is the house that he is living that has a loan of 600 k that if God forbid he dies I will be responsible for the mortgage no matter who live in the house, and I cannot afford because he is a physician in Miami, I am foreign Medical Doctor but I supported him, so he passed the Board and became a license physician in 2002.
He also agreed to reimburse what I already paid for my car insurance.
Yesterday I went again to the Bank and i was told, that they don't care what the final judgment says, they don't care is there is a QCD just in his name, I will always be responsible for the debt of the house, and if he pass and I cannot afford the house, my credit will be affected because the Bank will repossessed the house.
Tomorrow I have an appointment with my Attorney, but unfortunately I don't think he is fighting for me as he promesed when I hired and paid him.
Can you give me your thought?
Thanks
Teri