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Credit for Amortization of Mortgage

  • 1.  Credit for Amortization of Mortgage

    Posted 07-27-2016 04:21 PM

    I cannot seem to find the case (except the trial court opinion in Tucker 121 NJS 539) that permits the payer of the mortgage during the period of separation to claim a credit for the principal pay down on the mortgage.  Thank you!

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    Rosanne DeTorres Esq.
    Flemington NJ
    (908) 284-6005
    [email protected]
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  • 2.  RE: Credit for Amortization of Mortgage

    Posted 07-28-2016 12:54 PM
    Roseanne -
    <x-tab>        </x-tab>I don't think you're going to find one with that explicit language, but I'm asking someone who I know is litigating the issue in the App Div.
    <x-tab>        </x-tab>I generally cite to Brandburg, Painter & the statute - the paydown of the mortgage principal is an asset acquired after the complaint. If anyone has something more on-point, I'd also like to see it. It's one of those issues that people rarely question, but I'd also like to give more specific authority if it's out there.


    David Perry Davis, Esq.
    ----------------------------------------------------
       www.FamilyLawNJ.pro
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    112 West Franklin Avenue
    Pennington, NJ 08534
    Voice: 609-737-2222
    Fax:    609-737-3222






  • 3.  RE: Credit for Amortization of Mortgage

    Posted 07-28-2016 01:22 PM
    There is a reported decision from the 80s but I can't recall the name currently. 

    Sent from my iPhone





  • 4.  RE: Credit for Amortization of Mortgage

    Posted 07-28-2016 03:30 PM

    Griffith v. Griffith, 185 N.J. Super. 382 (App.Div. 1982)

    Amir v. Amir 2009 WL 2513815 (unreported)

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    Elizabeth Vengen Esq.
    Oak Ridge NJ
    (908)310-7403



  • 5.  RE: Credit for Amortization of Mortgage

    Posted 07-29-2016 07:36 AM

    http://farm1.static.flickr.com/50/107833650_5f3f9908dc.jpg?v=0

     

    "There is no provision in the agreement, or in either of the pendente lite orders, providing a credit to plaintiff for post-judgment monies paid by him against the mortgages until the properties sold. Contrary to plaintiff's assertion, the agreement was not silent as to the post-judgment mortgage pay downs. In fact, the agreement addresses both the party who was to pay the mortgages during the period in question, and the distribution of the sale proceeds for each home. If plaintiff had wanted to recoup the post-judgment mortgage payments, he could have provided as much ...[in the agreement], or he could have inserted a date on which...home was not sold, the parties would then contribute equally to the mortgages or that he would recoup all of the payments after that date. Instead, after significant negotiations, the parties agreed that only plaintiff would pay the mortgages for an undetermined length of time, and that each party would receive  '50% of the proceeds;' that agreement is what the court enforced."

    Tinfow v. Tinfow, New Jersey App. Div. (2009)

    Charles C. Abut

    21 Main Street

    Hackensack NJ 07601

    201-342-0404

    [email protected]

     






  • 6.  RE: Credit for Amortization of Mortgage

    Posted 08-01-2016 03:32 PM

    Charles Abut,

    Thanks for the case on post JOD mortgage payments. A great reminder to never assume the house will sell and the cost of the mortgage needs to be split pursuant the MSA.

    Tom King






  • 7.  RE: Credit for Amortization of Mortgage

    Posted 08-01-2016 03:37 PM

    Thank you for the reminder that post JOD mortgage payments aren't split unless specified in the MSA. Never assume the house will sell. 
    Regards, 
    Tom King








  • 8.  RE: Credit for Amortization of Mortgage

    Posted 08-24-2016 06:31 PM
    What would be the result if post divorce, husband remained living in the marital residence, paid all roof expenses including mortgage, the agreement said that they would divide the net equity upon sale, but was silent as to whether husband would get credit for the amount of the principal that he paid down on the mortgage from the divorce date to the sale date, which was about eight years so could be significant. Neither lawyer addressed it at all in the PSA, do you think he would get that credit?
     
    Geraldene Sherr Duswalt
     


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  • 9.  RE: Credit for Amortization of Mortgage

    Posted 08-24-2016 07:24 PM

    I think the group had a question like this.

     

    my guess,he probably would not get it unless it says so in the MSA.

     

     

    Bob Davies

     






  • 10.  RE: Credit for Amortization of Mortgage

    Posted 08-26-2016 02:22 PM

    As others said, more facts would be needed to really opine on it, but I'd say -- If the house was awarded to wife in the judgment and husband continued to reside there afterwards, I'd say that his payments were rent and he wouldn't get a credit for increasing the value of wife's property.



    <x-sigsep>

    David Perry Davis, Esq.
    ----------------------------------------------------
       www.FamilyLawNJ.pro
    ----------------------------------------------------
    112 West Franklin Avenue
    Pennington, NJ 08534
    Voice: 609-737-2222
    Fax:    609-737-3222

    </x-sigsep>





  • 11.  RE: Credit for Amortization of Mortgage

    Posted 08-26-2016 07:50 AM

    image001.jpg@01D1FF6B.AD790C70

     

    "There is no provision in the agreement, or in either of the pendente lite orders, providing a credit to plaintiff for post-judgment monies paid by him against the mortgages until the properties sold. Contrary to plaintiff's assertion, the agreement was not silent as to the post-judgment mortgage pay downs. In fact, the agreement addresses both the party who was to pay the mortgages during the period in question, and the distribution of the sale proceeds for each home. If plaintiff had wanted to recoup the post-judgment mortgage payments, he could have provided as much ...[in the agreement], or he could have inserted a date on which...home was not sold, the parties would then contribute equally to the mortgages or that he would recoup all of the payments after that date. Instead, after significant negotiations, the parties agreed that only plaintiff would pay the mortgages for an undetermined length of time, and that each party would receive  '50% of the proceeds;' that agreement is what the court enforced."

    Tinfow v. Tinfow, New Jersey App. Div., March 6, 2009

     






  • 12.  RE: Credit for Amortization of Mortgage

    Posted 07-28-2016 05:25 PM

    From client who is litigating the issue (pro se) in the Appellate Division (not badly written, especially for a pro se litigant...):


    The Court abused it’s discretion and did not apply pertinent case law in the equity line debt allocation.  "[F]or purposes of determining what property will be eligible for distribution[,] the period of acquisition should be deemed to terminate the day the complaint is filed." Painter v. Painter, 65 N.J. 196, 218 (1974).  Where there has been fluctuation in the value of a marital asset between the date the divorce complaint was filed and the date of distribution, the driving force behind that fluctuation must be determined so that proper distribution of the asset may be accomplished, Scavone v. Scavone, 243 N.J. Super. 134, 136-37 (App.Div. 1990).  Where the value of a particular marital asset has increased due to the diligence and industry of the party in possession of that asset, independent of market forces, the increase will normally accrue to that party alone, Id. at 137.  Where, however, the enhanced value is attributable to market factors or inflation, the increase will generally be divided between both parties. Ibid.

    The equity in the marital home is both a passive and active asset.  It is passive in that the value of the home can fluctuate due to market forces which will increase or decrease both parties equity in the home independent of their efforts.  It is active in that one or both parties’ payments to or withdrawals from the first and/or second mortgages directly impacts the equity in the marital home.

    The central bright-line rule is that the marriage is deemed ended upon the filing of a complaint that culminates in a divorce, Portner v. Portner, 93 N.J. 215, 219 (1983).  The Trial Court did not make findings on the date that the Marital Estate was capped for Equitable Distribution purposes.  Thus as of the date of complaint the marital home and the equity in it becomes subject to Equitable Distribution the valuation of which is subject to the terms in Scavone.  Thus mortgage payments made by Richard that increased the equity in the marital home should accrue solely to him and the withdrawals he made should be solely his responsibility.  Similarly the equity line withdrawals Plaintiff made should be solely her responsibility.



    <x-sigsep>

    </x-sigsep> David Perry Davis, Esq.
    ----------------------------------------------------
       www.FamilyLawNJ.pro
    ----------------------------------------------------
    112 West Franklin Avenue
    Pennington, NJ 08534
    Voice: 609-737-2222
    Fax:    609-737-3222





  • 13.  RE: Credit for Amortization of Mortgage

    Posted 08-24-2016 06:51 PM

    Geraldine

    This is a 50/50 proposition. Failure to include usually means exclude. However, former H has a good equitable argument.

    Worth negotiating but not litigating. Both parties will spend more on motion practice than the amount controverted.

    If this can't be negotiated, consider brief non-binding arbitration, akin to MESP, but without filing motions.

    Hanan


    hanan.gif

    Hanan M. Isaacs, Esq.

     

    t 609.683.7400   f 609.921.8982

    e [email protected]   w www.hananisaacs.com

    4499 Route 27, Kingston NJ