I'm dealing with a seperation from my wife. I need help when it comes to the house. My wife bought it when we were only

Hello! My name is Debra (formerly known as Legal Ease). Thank you for your question. I'm reviewing it now, and will post back again shortly.

I am sorry to hear of this difficult situation.

What province are you in pleases?

When you say your name was added to the mortgage, was it also added to the title of the house?

It is not likely that you are on the mortgage. First, you would have had to sign a lot of papers. Second the bank rarely allows someone to be on the mortgage and not on title.

If you are on title then the house is half yours and you each are responsible for the mortgage payments, property taxes, insurance etc. On top of that because you are living in the house yo would be responsible for the utility bills and you are actually required to pay 1/2 of fair market value occupation rent.

If you are not on title then you are not liable for any payments aside from the utility bills and fair market value rent (in full).

It is the matrimonial home but that has nothing to do with who has to pay for what.

Does that clarify the law?

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If you are not on title you pay nothing for the house aside from what is called occupation rent which she is yet to learn about and the utilities. You don't pay the mortgage payments or the property taxes or insurance. She does.

After only two years you would not likely share in any profit unless you contributed to the value of the house.

If you live in her house you should be paying her rent. If you both own it you should be paying her 1/2 of fair market value rent. But it may never come up.

If you are paying for half of the mortgage etc then you may be paying more than what amounts to fair market value rent but also this is your agreement so she cannot come back at you after if you adhere to it.

But this really cannot go on as she will likely want to sell the house soon so your very best next step is to consult with a family lawyer face to face. You don't have to tell her but honestly it is definitely your most prudent next step.

You should NOT pay off any debt now.

Save your money but don't spent it on debts now.

Do see a lawyer at once and certainly don't wait until you are back at work to see a lawyer. Try to do so now.

Not if your name is ***** ***** title or on the mortgage.

So what you really need to do is check with the bank about that before seeing a lawyer.

Is there anything more I can help you with at this point in time?

You are very welcome.

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Thanks and take good care.