“Divorce Doesn’t Mean the Problems are Over”

“Divorce Doesn’t Mean the Problems are Over”



Our heart strings can easily get pulled in situations like the email below. Even though this person was not on the mortgage, she was on title and there is a foreclosure going on which precludes her from getting a mortgage at this time. Is this fair? Hell no!


This is an explanation about issues concerning my credit. I am writing this because when I was researching lenders for a mortgage, I discovered you on the internet search I conducted.


I have been divorced for a little over a year after being married for thirty years. My ex-husband destroyed our finances by constantly taking money out of the house. I did not want to participate in this, but remained on the title. I was not on the mortgage.


Since then, I have rebuilt my finances and recovered from this financial debacle by working hard to do so and have virtually no debt. I have been steadily employed as a teacher. After careful consideration, and calculating the numbers, it is apparent to me that owning a home is much more cost effective than renting.


Thank you for your consideration.

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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Comment balloon 28 commentsJoe Petrowsky • December 16 2015 02:57AM


This is a very good story to share. Divorce does not end your problems if you are still on the title or the debt obligation.

Posted by Roy Kelley, Roy and Dolores Kelley Photographs (Realty Group Referrals) over 2 years ago

Hi Joe.  That is a sad story.  I hope you are able to help her with a mortgage.

Posted by Conrad Allen, Webster, Ma, Realtor (Re/Max Professional Associates) over 2 years ago

Sometimes divorce is just the beginning of a long, hard financial struggle.

Posted by Roger D. Mucci, Lets shake things up at your home today! (Shaken...with a Twist 216.633.2092) over 2 years ago

Good morning Joe. It there is a way I know you'll find it.  

Posted by James Dray, Exceptional Agents, Outstanding Results (Fathom Realty AR LLC) over 2 years ago

Good morning Joe Petrowsky,

I hope your able to help this lady. Divorce can be the beginning of a long hard financial struggle but with help from others and the will to recover one can right their financial issues .

Posted by Dorie Dillard, Serving Buyers & Sellers in NW Austin Real Estate (Coldwell Banker United Realtors® ~ 512.346.1799) over 2 years ago

Good morning Joe. I am sorry that divorce causes financial hardship besides emotional ones.

Posted by Gita Bantwal, REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel (RE/MAX Centre Realtors) over 2 years ago

This is an unfortunate situation that should have a remedy.  Hopefully the powers that be can make changes in the system to allow folks like this to get fair treatment.

Posted by Gabe Sanders, Stuart Florida Real Estate (Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales) over 2 years ago

I am glad that she found you! if there is a way - I know you will fix it for her

Posted by Lise Howe, Assoc. Broker and Attorney Licensed in DC, MD, VA, (Keller Williams Capital Properties) over 2 years ago

Good Morning Joe - it is sad for this teacher.  There are so many things that need to be considered in a divorce.  I hope she can get things cleared up.

Posted by Grant Schneider, Your Coach Helping You Create Successful Outcomes (Performance Development Strategies) over 2 years ago

Joe, even when there is a divorce the debt incurred during the marriage can continue to be a headache long after.

Posted by Jennifer Fivelsdal, Mid Hudson Valley real estate connection ( JFIVE Home Realty LLC | 845-758-6842|162 Deer Run Rd Red Hook NY 12571) over 2 years ago

Good morning Joe. Divorce is a choice that leads to more problems. Sad but true! Hopefully, you will find a solutio for her. Enjoy your day!

Posted by Wayne Martin, Real Estate Broker (Wayne M Martin) over 2 years ago

Joe... I'm counting on you to help this lady out... (a) she's a teacher and (b) her heart is in the right place and (c) she deserves it after what she's been through.

Posted by Nina Hollander, Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor (RE/MAX Executive | Charlotte, NC) over 2 years ago

Joe, this is indeed a sad story. Divorces causes many emotional as well as financial hardships. This is so unfair for the lady.

Posted by Rebecca Gaujot, Realtor®, Lewisburg WV, the go to agent for all real estate (Perry Wellington Realty, Adam Conrad, Broker) over 2 years ago


What a nice illustration of the prolonged effects of divorce.  A

Posted by Ron and Alexandra Seigel, Luxury Real Estate Branding and Marketing (Napa Consultants) over 2 years ago

Joe, have seen this type of situation many times over the years, and just plain sad.

Posted by Joan Cox, Denver Real Estate - Selling One Home at a Time (Metro Brokers - House to Home, Inc. - Denver Real Estate - 720-231-6373) over 2 years ago

Good morning Joe. How incredibly hard. You are right about this. I hope you can help her.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) over 2 years ago

Unfortunately I have a very dear friend of mine going through this tough situation herself. 

Posted by Nicole Doty - Gilbert Real Estate Expert, Broker/Owner of Zion Realty ZionRealtyAZ.com (Zion Realty) over 2 years ago

We have experienced this type of scenario through the years. She found the right person to help her in this situation...

Posted by Lawrence "Larry" & Sheila Agranoff. Cell: 631-805-4400, Long Island Condo & Home Sale Specialists (The Top Team @ Charles Rutenberg Realty 255 Executive Dr, Plainview NY 11803) over 2 years ago

I too have experienced the divorce situation with real estate many times and it is something that is part of our work. It is very sad sometimes.

Posted by Noah Seidenberg, Chicagoland and Suburbs (800) 858-7917 (Coldwell Banker) over 2 years ago

Joe I hope you can find a way to help her at some point. So hard for people stuck in these not so good situations unknowingly.

Posted by Anna Banana Kruchten CRB, CRS, Broker, Arizona's Top Banana of Real Estate! (Phoenix Property Shoppe) over 2 years ago

Joe, not a good situation to be in.  The problems created by divorce seem to be never ending.

Posted by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) over 2 years ago

Hi Joe -- decisions made can have some very long term consequences.    

Posted by Michael Jacobs, Los Angeles Pasadena Area Real Estate 818.516.4393 (Coldwell Banker Residential Brokerage) over 2 years ago

Joe, I just don't understand why continue to hurt each other regardless of the relationship status but we know it happens more than not. If anyone could help this lady, you can!

Posted by Beth Atalay, Cam Realty of Clermont FL (Cam Realty and Property Management) over 2 years ago


Thanks for sharing the story . . . . And yes is more cost effective to own a home then rent.

Good luck and success.

Lou Ludwig

Posted by Lou Ludwig, Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC (Ludwig & Associates) over 2 years ago

What starts out with good intentions to be fair when the mortgage is obtained does have times when the repercussions are felt for a long time, This was one of those times

Posted by Ed Silva, Central CT Real Estate Broker Serving all equally (RE/MAX Professionals, CT 203-206-0754 ) over 2 years ago

Joe, I feel the pain sadly people do not realize the long term ramifications of bad decisions at the divorce and then what follows just gets compounded....Endre

Posted by Endre Barath, Jr., Realtor - Los Angeles Home Sales 310.486.1002 (Berkshire Hathaway HomeServices) over 2 years ago

We have a number of lenders with different programs to help the boomerang buyers who got caught in the credit crossfire ...those closings are the most satisfying for us.

Posted by Sally K. & David L. Hanson, WI Realtors - Luxury - Divorce - Short Sale (Keller Williams 414-525-0563) over 2 years ago

Say it ain't so Joe Petrowsky .   Divorce can cause issues far beyond the marriage.

Posted by DEANNA EARLY - ( NMLS #268590 ), Virginia Mortgage Loan Originator (American National Bank and Trust) about 2 years ago