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If Someone Is Removed From The Mortgage But Still Has Ownership And The House Is Sold, What Happens To What's Owed? (new York)

My 87yo MIL who we are in the process of getting guardianship for because we suspect she has dementia is 1/3 owner of our house and is on the mortgage. She is threatening to do a partition sale suit to force us to sell the house (she is being manipulated by her ex neighbor who is 25 years younger than her, and the MIL really doesn't know what's going on and doesn't even know how to log into her bank account or even use her phone).

Today we learned from M&T Bank she has applied to have herself removed from the mortgage and she will probably be successful, they will grant her to be removed since it's all my income and she has no income.

Question is, if she doesn't have any liability to the mortgage anymore, and then forces the sale, does that mean me and my wife are responsible for paying the remaining mortgage balance ($497,000) back to the bank when the house sells, out of our own funds? Chat GPT seems to think so but I don't think it should be that easy for her to screw us over like that?

(The MIL has gone completely bat**** crazy and has told us when she's through with us we will be living in a cardboard box with no money. We also just learned she's been illegally collecting a pension for the last 2 years that was supposed to end when he ex husband died. We suspect her ex-neighbor told her to do this. But irrelevant I guess.)

Location: New York

submitted by /u/OurAngryBadger
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If Someone Is Removed From The Mortgage But Still Has Ownership And The House Is Sold, What Happens To What's Owed? (new York)

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