Legal Question in Credit and Debt Law in North Carolina

Re: Judgement against home

You probably aren't legally able to remove the mobile home at the present time without the permission of the current lender at a minimum. You would not be able to transfer the title without the lender releasing its lien. You don't mention what the balance due is on the house/land, how much it is worth, how much the judgments are, how old they are, what types of collection efforts have been made, and other things which would be specifically needed to decide what's in your best interest.

I would caution you about proceeding further with this until you get some specific advice separate and apart from your husband, in orer to preserve your credit rating. Your husband should also get advice from another lawyer. He may be able to file for bankruptcy and get the judgments voided to the extent they impair his exemptions, and in doing so, he would have to work out a deal with his present lender. As a general matter, if both of you approach the current lender with your plans, because of your good credit, the lender may be able to work with you to provide enough funding to pay off the judgments and do what you want to do. Once again, I do caution you about getting involved in this kind of a deal without obtaining further advice. You may be better off keeping your finances separate from your husband's until he straightens out his credit. I would certainly be cautious about taking on any debt in your name only to obtain funds to pay off any judgments against your husband. I strongly suspect your husband knew about these judgments all along and failed to disclose this to you before you were married. People who handle business matters well don't "forget" about judgments. This does not sound like someone to get involved with financially until he cleans up his own mess, so matter how wonderful a person he may be otherwise.