I purchased a pre built condo a few years ago with my ex girlfriend when we were together back then. The condo took a

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Customer: I purchased a pre built condo a few years ago with my ex girlfriend when we were together back then . The condo took a few years to built and we separated. When I took possession of the condo I started living in it she did not. We both split all the expense. Last December my current gf moved in with me and since then my ex girlfriend has stopped paying her part of the mortgage. Currently I am paying for everything. I would like to know if it was ok for her to stop paying her mortgage and what should I do.
JA: What state are you in? It matters because laws vary by location.
Customer: I am in Toronto. Canada.
JA: What steps have you taken so far?
Customer: I told her we should sell the condo. But she said she talk to a lawyer to know her rights.
JA: Anything else you want the Lawyer to know before I connect you?
Customer: that’s all for now .
Answered by Debra in 2 hours 1 year ago
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Debra
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Debra, Expert

Hello and Welcome to JustAnswer. My name is***** will be working on your question today and I am looking forward to our conversation.

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Debra, Expert

Please note that I am working from my computer and not actually texting. If you don’t answer back for a while I may not be online when you do but I will never desert you and will check back often. As well, as I am working from home it is possible that I will be interrupted but I will always return back as soon as I can.

Finally, although the site offers a call option I personally do not take calls but just work online. Some find this confusing as it looks like the offer is coming from me but that is just how the site presents the offer and it really isn’t coming from me. Some of the other experts do take calls and so you are very welcome to request a call on this post and an expert may take it. They will have the benefit of reading our exchange which should work out very well for everyone involved!

I am sorry to hear of this difficult situation.

Are both your names on title?

Are you paying your former girlfriend occupation rent?

Customer
both the names in title. And I paying all the mortgage for now .
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Debra, Expert

The way this would work is that you would each pay 1/2 of the mortgage payment because you're both on title but then you would pay the joint title holder with 1/2 of fair market value rent because you're living in that home that is owned by the joint title holder and you equally.

So in most cases what people do if the numbers are pretty well the same is the owner that lives in the condo pays the full mortgage.

Do you see what I mean?

Customer
Which me it's not advantageous for me if the place gets sold since I am paying the full mortgage and will need to split the sale proceeds ?
Customer
If I got it right
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Debra, Expert

Yes but there is something advantageous for you because you get to live in the property.

Customer
true . Thanks for your advice.
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Debra, Expert

You are very welcome.

Thank you for trusting us to help you here at JustAnswer. If you would like to ask me new questions please start a new post and if you do if you say “This is only for Debra” I will be sure to give your post top priority.

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