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Staving Off Foreclosure; Getting Money Back from Ex
Ask Ms Vicki | November 19, 2009
House in Possible Foreclosure

Hi Ms. Vicki,

"I saw your columns on Military.com. I’m a father of six kids, and my wife and I have been trying to save our house from foreclosure. I tried to get a VA Loan but they said no. I'm in Afghanistan on my second deployment, but I can't get any help from anyone. Could you point me in the right direction on how to save our house?" 

Thanks!

-- Anonymous


Dear Anonymous, 

I’m sorry to hear about your current financial situation, and I hope you can keep your home out of foreclosure. 

Most lenders try different options to try and help homeowners like you keep your home from foreclosure. Make sure that you have exhausted all measures with them. In the meantime, I’m aware of the Housing Assistance Program (HAP). I’m not sure if you qualify for their services but it’s a DoD program. 

You and your wife should visit their website, www.hap.usace.army.mil, and contact them -- even if you don’t qualify for their services. Maybe they can point you to other resources or programs that could help.

I know you're worried about your wife and your children, especially being deployed. You probably feel terrible knowing that you're in another country serving others while your family is back at home and in need, too. 

I want you to take care of yourself and try to stay focused on your current mission. Hopefully, other readers will come forward with more helpful information. 


Ex-wife ran off with money -- now what?

Dear, Ms. Vicki,

"I need your help. I was maried for 19 months and have a 2-year-old baby with my wife.

"We seperated prior to me leaving for Iraq in November 2008. Our agreement was that I would continue to send her all of my money while deployed to show my support to my son. I hoped she would allow me to talk with him when I could -- which didn't happen a lot -- and that upon my return, she would give me half of what was saved. 

"Since being deployed my soon-to-be ex-spouse -- not legally mind you-- is engaged to another man and pregnant. This will be her third child . She lost custody of her first child to her first ex-husband. We're not divorced or have filed due to me just arriving back from Iraq two weeks ago. She's very unstable. 

"Upon my arrival, I've had the pleasure of being with my son for a wonderful two weeks. I will return him to his mom soon.
 
"I have no money -- I didn't want to be a dead-beat dad and wanted to do what was right. I sent her more than $50,000 during my year away. But, I need money to get my life back.

"What are my rights to recieve my repayment and also my two-year-old? I want at least  half if not 100 percent due to her erratic, irresponsible lifestyle. Help me please!"

-- A Sgt.

Oh my God, Sgt.! 

First of all let me say that I’m glad you are back. I know you hear this all of the time but I truly thank you for your service and your sacrifice to our country. 

Sgt., why did you marry her if you knew she was so erratic? Why did you continue to fund the checking account if you knew that she was not being accountable with the funds you provided? 

I don’t mean to sound like I’m beating you down because I’m not. It’s just that I hear this story all of the time. Servicemembers come home to a spouse who drained every account,  left them in debt, and is pregnant with someone else’s child. You truly deserve better than this. 

Listen, you must get legal advice quickly. I don’t know if you'll be able to recoup these funds, but at least you have proof. Please start with your legal office on base. They'll let you know if anything can be done about your money and getting custody of your son. They should also let you know if you should work with a civilian attorney. 

I really hope everything works out in your favor. This is a very emotional subject that could lead to ire. Please be careful and try to have little to no contact with your wife as possible, this could lead to an explosion and I don’t want you to be involved with any physical or verbal conflict with her. 

I’m on your side, okay. Please keep in touch with me and let me know how everything turns out. Turn to close family and friends for support ok. I wish you only the best. 

Do you have a question for Ms. Vicki about deployments, making new friends at a new duty station, or military life in general? E-mail her at AskMsVicki@military-inc.com, and she'll answer your questions. Two or three Q&As will be published on Military.com's Advisors channel.
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Copyright 2010 Ask Ms Vicki. All opinions expressed in this article are the author's and do not necessarily reflect those of Military.com.

 
About Ask Ms Vicki

Ms. Vicki is a native of Dallas.She is married to an active-duty Soldier and they have three sons. Vicki has always had a gift for giving quick advice and steering people in the right direction. Her passion has always been helping anyone who is in need of advice and writing. Ms. Vicki has a Master's of Science in Social Work from the University of Louisville. She is a Licensed Clinical Social Worker. Ms. Vicki will begin working on a Ph.D in the fall of 2009. Currently, Ms. Vicki is working on a host of books that will be published this year. The first book, "Restoring the Passion and Romance in Your Relationship" will be released soon. Ms. Vicki uses her intellect, clinical skills, passion, wit and humor to engage many. Currently, Ms. Vicki works as a therapist with military servicemembers and their families. She provides services for a wide array of concerns such as combat stress, PTSD, couples and marital problems, depression, grief and loss, stress and coping, etc. Ms. Vicki also writes an advice column "Dear Ms. Vicki" that appears in the Washington Times, the Fort Campbell Courier and the Heidelberg Herald Post. Ms. Vicki also hosts an internet radio show and blogs on her community site with the Washington Times.If you want to ask Ms. Vicki for advice about your military life, please email her at AskMsVicki@military-inc.com