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01-11-2018 05:27 AM
Attorney ASAP!!
If you can, take her......
01-14-2018 10:36 AM
01-14-2018 01:30 PM - edited 01-14-2018 01:33 PM
@CAcableGirl2 wrote:@BornToShop One more thing I just thought of that I would suggest. As embarrassing as she might feel (and she has nothing to be ashamed or embarrassed about), I would suggest that she notify her neighbors that he has moved out unexpectedly (no need to give all the details), and ask them to keep an eye on the house and call the authorities or her immediately if they see him snooping around the house. Otherwise, who knows what he will tell the neighbors...he lost his key, or similar as he is climbing in through a window.
If your sister is working a normal schedule, he will know when she will be out of the house and could come and take everything, including important papers, items of value, etc..
She might want to get an alarm system (with signs prominently displayed), or at the very least some sort of alarm where she would be notified of activity in her home. I'm sure many will have suggestions, but at the very least, a "Canary" device that she can place anywhere in her home. Costs about $150 and only needs wi-fi service and depending on if she activates the monthly service, she could get recordings available or just notification and live feeds. It doesn't look like a security device so he wouldn't even suspect if he saw it and could be placed anywhere in the home (plug in or battery pack is all it needs).
As for not suspecting anything, that just shows how "sneaky" he has become, and doesn't reflect on her at all.
Keep records of everything including financial records, conversations, emails, texts, etc. going forward. Those records could prove invaluable.
To the poster who suggested getting a copy of her credit report, that was a great idea. You can always get one from Credit Karma for no fee and check it every 7 days for zero cost.
Your sisters husband is legally allowed in the home. Unless there is a court order to stay out, he can go in and out when he pleases. He can go through a window or take the locks off. Just because he shacked up with his mistress, he is still legally allowed in the family home.
01-14-2018 01:47 PM
FINANCIAL ADVISOR and lawyer!
01-14-2018 03:13 PM
Update; she found a highly recommended attorney who we are seeing Thurs. Luckily they rent & she has a VM/texts from him saying he has moved out, etc. We are visiting the landlord after her attorney; the lease is up in June. She was smart enough to have the Sprint Family Plan in her name only of which she has set up to be disconnected. No joint accounts ( thanks to Dr. Phil years ago!). She is dealing with the humiliation & shock still but we, our family have rallied big time! She is panicking over her 401k. She would rather the Government get it than that scumbag. To be continued...
@missy1, @MarieIG, @CAcableGirl2, @eddyandme, @Nataliesgramma & to everyone on this thread, you are all amazing & your feedback has been invaluable!
01-14-2018 03:45 PM
@BornToShop Your sister rents. That is much simpler. I am glad she has retained an attorney, Keep us updated.
01-14-2018 05:40 PM
@BornToShop wrote:@Snowpuppy, she is the primary breadwinner, they are living in a state that declares he would be entitled to half of her 401k. She doesn’t want to hide her 401k, but due to his out-of-the-blue exit, she wants to do what it takes to ensure he won’t get a dime; even if it means taking a hit on her 401k. Her concern is being able to afford an attorney since he left her in a financial crisis without notice. Concealment is not her intent, but survival at her age with Social Security & her 401k would be her only source of income now.
Cashing in her 401K is not going to prevent him from gaining access to those funds. The only way she can avoid him going after them is to get them out of her name.
01-14-2018 10:21 PM
So sorry she is facing this.
I hope she understands the "hit" she will take on her 401K.. Her tax bracket + 10%. So, if she is in say a 25% tax bracket , she'll be giving the government 35 % of the 401K. Would she borrow money at 35% interest just to keep him from getting something? I doubt it.
She really needs to see a lawyer fast and a financial advisor too.
01-19-2018 08:18 PM
@Bridgegal wrote:So sorry she is facing this.
I hope she understands the "hit" she will take on her 401K.. Her tax bracket + 10%. So, if she is in say a 25% tax bracket , she'll be giving the government 35 % of the 401K. Would she borrow money at 35% interest just to keep him from getting something? I doubt it.
She really needs to see a lawyer fast and a financial advisor too.
Oh yes @Bridgegal, she would much rather the gov get it before him. That is how ugly this is.
01-19-2018 08:34 PM
This same thing happened to me after 22 years of marriage, and I will repeat (from experience) what has already been stated here. She needs an excellent divorce lawyer ASAP who will protect her interests. My lawyer made sure he got nothing of my 401k. It is a horrible thing to deal with and go through, and my heart breaks for your sister because I have been in the same situation. She will survive - it won't be easy and you need to be a great source of support for her. But please, she MUST contact a divorce attorney tomorrow. Check around and get the best one you can get. As horrible as it is for her, a quality divorce attorney will know exactly how to handle this. Once she retires, she can transfer the 401k to a qualified IRA without penalties, but it's imperative to start with a good divorce lawer...NOW.
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