[yewneye]

My husband bought our house six years ago and had his brother go in on it as joint owner. My husband legally owns 75% and the other 25% is his brothers. His brother has a very bad drinking problem and had not worked in over 16 months. He is responsible for $550.00 of mortgage payment and has been paying it out of the employment insurance checks he gets. He has been good about paying for the most part, there have been a few instances where he hasn't and my husband has had to cover for him. He has now finished his claim with employment insurance. He refuses to go find a job or even talk to my husband about what the future holds. My husband and I contacted the mortgage company and have talked to a lawyer to get some advice. We want to remove him from mortgage and refinance as a couple. So, we went over to his mothers (he lives with her at the age of 44) to try and talk with him. Our plan was to tell him what the bank and lawyer said and our options. We went over to speak with and again he avoids us by leaving house, and ended up speaking his mother. All she does is protects him and makes excuses for him. She says that she can pay his portion of mortgage payment. And that we need to leave him alone and that we should sell and leave his brother out of it, because he is ill. Yes, he is ill it's called being an alcoholic. We have told her that we won't accept it and that his brother has legal responsibilities that he needs to live up to not her. One of the options that the lawyer suggested is to take him to court to force him off but we think that will only result in the end of the brother’s relationship. What don't they get...he sign legal documents and needs to communicate with us and fulfill his legal obligations. It's one thing to lose your house because of things not in your control but it's another when someone is screwing with you...especially family. Help!!!