Legal Question in Civil Litigation in Wisconsin

Mortgage Default of Ex-Boyfriend, Options for Co-Purchaser

I cannot answer your question anonymously because I handle too many cases like this and might even be involved in this one. However, as a generally matter, I can recommend against ever making a home or other major purchase with another person who is not your spouse or co-signing a loan for another. Any problems between the co-buyers in the future are not the lender's problems, so the lender retains the right to come after either or both of you, regardless of who is in possession and equally regardless of any deals between the two of you if there is a default. Either buyer can sue the other for "partition" which is a court supervised sale of the property in question, but such a sale can only occur with the blessing (or total payoff) of the lender. If the party is possession is not on the title, the owner might have the additional option of eviction, which is much simpler and cheaper than a partition lawsuit. Finally, loan obligations are generally dischargeable in bankruptcy if the collateral is surrendered to the lender. You might therefore with to consult an attorney to go over your options, including potentially a bankruptcy attorney. Good luck.