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Train,
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Quote:
How much per mo. is the mortgage pmt?


$1,228

Quote:
How many years is considered a "long-term marriage" in your state?


Honestly? I'm not sure. But L told me our state typically decides to award alimony for 1/2 the length of the M, so in my case, 5 years. But he says it's a total crap shoot - sometimes a judge will award more, but usually never less than 1/2 the duration of the M.

L pitched 10 years (the entire length of our M) to H. H is obviously saying he disagrees; he's only willing to pay for 5.

Quote:
He's insane.

No sh!t.

If my thread locks up soon, I'll be starting another one ...


M: 40 H: 44
Married 14 years
S11 & D6; D20 & D19 from previous M
2BDs/PAs, 8 years apart
Piecing: April 2014
Joined: Oct 2010
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If I were your atty, I'd have a field day if I had something from your husband -- in writing -- telling you to intentionally NOT pay the mortgage, and that indicates his clear understanding that his cutting your $$$ in half would basically have that result.

Deciding to do the "strategic default" thing has its own interesting legal, financial and moral implications, but it's RECKLESS to consider it when the property in question is the primary residence of minor children. Even though the foreclosure dockets move slowly these days -- especially in states like Florida that are "judicial" states -- you're still playing the children as pawns if you decide to strategically default.

What state are you in?


Starsky


M57 W 57; D30 D28 S24 S20 GD7 GD2 GD1 GD5m GD1m
BD 5/07; W's affair 5/07-8/07

At the end of every hard-earned day, people gotta find some reason to believe. (Bruce Springsteen)
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Originally Posted By: Train
Quote:
How much per mo. is the mortgage pmt?


$1,228



Then it all comes down to whether or not "Shelter" is included in the CS calculations.


M57 W 57; D30 D28 S24 S20 GD7 GD2 GD1 GD5m GD1m
BD 5/07; W's affair 5/07-8/07

At the end of every hard-earned day, people gotta find some reason to believe. (Bruce Springsteen)
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Quote:
How does your state figure shelter (mortgage pmt for the children's primary residence) into their calculations? Is that figured into the CS calculation, or handled separately between H and W as part of SS?


It's figured into child support. He pays a portion, based on his income. And I pay a portion, based on mine. I have no income right now. And I don't have to establish income until D2 turns 3, which is in June. (L - to be fair - added a minimum-wage job for me into the calculations we pitched to H.)

Thank you, HS! I'm on it! smile


M: 40 H: 44
Married 14 years
S11 & D6; D20 & D19 from previous M
2BDs/PAs, 8 years apart
Piecing: April 2014
Joined: Mar 2014
Posts: 1,433
T
Train Offline OP
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Quote:
What state are you in?


I'm in NC.

I could easily send H a message, detailing how he's cut his support by $1,300/month and out-and-out ASKING him if he expects me to stop paying the mortgage since his name is on the mortgage. I don't know if that's the best way to approach/word it, strategically. But I KNOW that's what he intends for me to do.


M: 40 H: 44
Married 14 years
S11 & D6; D20 & D19 from previous M
2BDs/PAs, 8 years apart
Piecing: April 2014
Joined: Mar 2014
Posts: 1,433
T
Train Offline OP
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Alimony, in NC, is simply determined to provide a quality of life similar to what I was used to before H left. It is paid, as you know, to the entitled spouse who is dependent on the breadwinner. The affair will come into play there. And the fact that I'm a SAHM. That's why it's a crap shoot. There's nothing specific, really, that goes into that calculation except income and circumstances.


M: 40 H: 44
Married 14 years
S11 & D6; D20 & D19 from previous M
2BDs/PAs, 8 years apart
Piecing: April 2014
Joined: Oct 2010
Posts: 6,810
S
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Offline
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Posts: 6,810
Originally Posted By: Train
Quote:
How does your state figure shelter (mortgage pmt for the children's primary residence) into their calculations? Is that figured into the CS calculation, or handled separately between H and W as part of SS?


It's figured into child support. He pays a portion, based on his income. And I pay a portion, based on mine. I have no income right now. And I don't have to establish income until D2 turns 3, which is in June. (L - to be fair - added a minimum-wage job for me into the calculations we pitched to H.)

Thank you, HS! I'm on it! smile


I'm lost, lol. You said he was paying you $1300/mo. less than what he was paying before ($2600/mo. before, and $1300/mo. now?), and then you said "which is $700/mo. less than what my L had asked for.

How much per month is your state "max" CS calculation for your situation?

How much is your husband saying he's going to pay now, total (SS + CS)?


M57 W 57; D30 D28 S24 S20 GD7 GD2 GD1 GD5m GD1m
BD 5/07; W's affair 5/07-8/07

At the end of every hard-earned day, people gotta find some reason to believe. (Bruce Springsteen)
Joined: Oct 2010
Posts: 6,810
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Originally Posted By: Train
Quote:
What state are you in?


I'm in NC.

I could easily send H a message, detailing how he's cut his support by $1,300/month and out-and-out ASKING him if he expects me to stop paying the mortgage since his name is on the mortgage. I don't know if that's the best way to approach/word it, strategically. But I KNOW that's what he intends for me to do.


Yeah, that's what I'd do. I'd keep it chatty (so not to tip him off), and say something like "I know you keep telling me to stop paying the mortgage, but I didn't want to do that without asking you first, since it's in your name. But really, since the groceries, haircuts, doctor co-pays etc add up to easily $______/mo, I guess I don't even have a choice. Or am I figuring this wrong? Hey, I was told there'd be no Math!!! lol"

And see if he responds.


M57 W 57; D30 D28 S24 S20 GD7 GD2 GD1 GD5m GD1m
BD 5/07; W's affair 5/07-8/07

At the end of every hard-earned day, people gotta find some reason to believe. (Bruce Springsteen)
Joined: Oct 2010
Posts: 6,810
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Originally Posted By: Train
Alimony, in NC, is simply determined to provide a quality of life similar to what I was used to before H left. It is paid, as you know, to the entitled spouse who is dependent on the breadwinner. The affair will come into play there. And the fact that I'm a SAHM. That's why it's a crap shoot. There's nothing specific, really, that goes into that calculation except income and circumstances.


We're not allowed to post links here, but this is "public use" and not copyrighted material, so I'll just paste it:


North Carolina Alimony FAQs
Find out how courts in North Carolina decide whether to award alimony when a couple divorces.
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Like most states, North Carolina allows a court to award alimony (also called spousal support) when a couple divorces. The court must consider a list of factors in deciding whether an alimony award is appropriate, how much to award, and for how long. This article answers some common questions about alimony in North Carolina. For all of our articles on North Carolina divorce law, see our North Carolina Divorce and Family Law page.
What is alimony?

Alimony (also called spousal support) means payments one spouse makes to support the other. These payments can be made in a lump sum or on an ongoing basis.

In North Carolina, the court can award two types of alimony. Post-separation support lasts only as long as the divorce action. The court will look at each spouse's income, earning ability, and need, as well as the standard of living the couple had when together, to determine whether one spouse should pay the other post-separation support.

Once the divorce is finalized, the court may award alimony.
What factors does the court consider in deciding on alimony?

The court must look at a number of factors in making an alimony award:

the marital misconduct of either of the spouses
the earnings and earning capacity of each spouse
the age and the physical, mental, and emotional condition of each spouse
the amount and sources of earned and unearned income of each spouse, including, but not limited to, earnings, dividends, and benefits such as medical, retirement, insurance, social security, or others
how long the marriage lasted
any contribution by one spouse to the education, training, or increased earning power of the other
the extent to which one spouse's earning power, expenses, or financial obligations will be affected by that spouse's custody of the children
the standard of living the couple established during the marriage
the education of each spouse and the time necessary to acquire sufficient education or training to enable the spouse seeking alimony to find employment to meet his or her reasonable economic needs
the assets and liabilities of each spouses and the relative debt service requirements of each spouse, including legal obligations of support
the property each spouse brought to the marriage
either spouse's contribution to the marriage as a homemaker
the relative needs of the spouses
the tax consequences of the alimony award
whether either party's income was considered in dividing the couple's property, and
any other factor relating to the economic circumstances of the spouses that the court finds to be just and proper.

If either spouse has engaged in "illicit sexual behavior" during the marriage (defined as voluntary sexual or "deviate" sexual intercourse with someone other than one's spouse), it will affect the alimony award. A dependent spouse who might otherwise be eligible for alimony will receive nothing if that spouse committed illicit sexual behavior. And, a supporting spouse who might otherwise not have to pay alimony will have to do so if that spouse was the one who engaged in the illicit behavior.
How is alimony calculated? Are there alimony guidelines?

Although guidelines are often used to calculate child support, there are no guidelines for awarding alimony in North Carolina. The amount of alimony varies widely. Alimony is to be paid in such amount as the circumstances render necessary, having due regard to the factors set out above. For example, if a couple had a high standard of living in a long-term marriage in which one spouse stayed home to raise the couple's children, that might justify a significant award to the homemaker. On the other hand, if both spouses worked, their marriage lasted only a few years, and they have no children, alimony is much less likely.

You and your spouse may decide on your own that one of you is entitled to receive alimony payments. If you are unable to agree on the matter, then you can submit the issue to the court for a decision. Whether alimony is arranged by agreement or ordered by a court, it is taxable to the recipient spouse and tax deductible to the payor spouse.


M57 W 57; D30 D28 S24 S20 GD7 GD2 GD1 GD5m GD1m
BD 5/07; W's affair 5/07-8/07

At the end of every hard-earned day, people gotta find some reason to believe. (Bruce Springsteen)
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