What is the diff between Pre-Nup and a privilege to protect your home before marriage? and it is easier to privilege?

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If I want to protect your home, which I bought before marriage (about 2 years ago), I heard you can just put a lien on your house with your other thing can not even write important or not not know (of course I tell my partner because the morale and confidence). but just in case something goes wrong, I want to be protected. I heard that if you are simply concerned about the home purchased, and if not, not really fair, you can put a lien on your property or home to your significant other can not take it I lahutatud.Kas this is true, and if so, what exactly would the marriage is accompanied by a lien on the property? or does anyone have an explanation for that? I know what a privilege is when you do not pay your mortgage and the loan was originally a lien on the property, but it is a privilege to protect investment? FYI, I live in New Jersey. Is a full-time work, benefits and 401k. All I’m really interested in protecting the house because the house was paid in full because of inheritance.

5 Comments
  1. Reply
    jumpinjupiter69
    May 16, 2011 at 1:31 am

    you can check with your local state laws…..but where I am from…..ANYTHING you owned BEFORE you got married, CANT BE TOUCHED by anyone because of marriage.

  2. Reply
    Myth_Understood
    May 16, 2011 at 2:27 am

    I think a better option would be to get a phone consult with a property law attorney and get the lowdown from them. The lien idea sounds a little odd, but I’m not a professional.

    Having said that, I like the idea of a prenup better because they are, in fact, reading the whole thing and singing it, knowing full well what they are doing with their eyes wide open. It’s nice to know that you would tell him regardless, but for me I like the prenup idea more.

    Best of luck to you !! And good on ya for wanting to protect what’s yours. This isn’t about trust or that you don’t love him enough or any of that bs expounded by young people who don’t know any better. This is about working for a lifetime and not wanting to see your assets liquidated through a nasty divorce. I totally get it.

    😀

  3. Reply
    Annabella
    May 16, 2011 at 2:44 am

    I work in escrow in CA and still had no idea what you were talking about. Apparently this is something relevant to NJ only or at least something that’s more common in your state than others. Nobody in marriage & divorce will be able to give you advice unless they happen to live in NJ and own property that they’re trying to hide and/or protect from their spouse. I would suggest making some calls & doing your due diligence or speak to someone about the specific laws in your state. This does not exist in CA or any other state that I know of.

  4. Reply
    M
    May 16, 2011 at 3:32 am

    The safest play is to not get married in the first place. If things go down the tubes you might spend so much $ $ $ to keep it that you have to sell it.

    update: I may be getting low ratings but just look at the list of government hoops you have to jump through to keep what is rightfully (and already) yours. Just because you feed someone some wedding cake that on that day they are entitled to half of your stuff, and if you are in an alimony state, future earnings…

    If you are thinking about it now BEFORE you are married, just wait do see what pain you are in when you have to wave goodbye to it. Marriage is a gamble… don’t play with more than what you can afford to lose.

  5. Reply
    Ms.K
    May 16, 2011 at 4:23 am

    From the info I have been able to find you can’t place a lien on your own property. See:
    http://www.askmehelpdesk.com/real-estate-law/placing-lien-own-property-125577.html

    The equitable distribution law in New Jersey is similar to most equitable distribution states. New Jersey law directs the Court to consider fifteen factors in determining what is an equitable, fair and just division of assets.

    New Jersey law directs the Court to consider fifteen factors in determining what is an equitable, fair and just division of assets. A few of these are:

    1.The DURATION of the marriage;
    2.The age and physical and emotional HEALTH of the parties;
    3.The INCOME or property brought to the marriage by each party;
    4.The STANDARD OF LIVING established during the marriage;
    5.Any WRITTEN AGREEMENT made by the parties before or during the marriage concerning an arrangement of property distribution.

    To see the complete list go to:
    http://www.divorcesource.com/NJ/ARTICLES/oflanagan1.html

    ********Exceptions of marital property if kept separate include: ********

    1.INHERITED PROPERTY – This is real estate or money or any other property inherited through a will or through inheritance laws of the state.
    2.Property acquired PRIOR to marriage

    Your house would be safe from a divorce settlement because you can show that the house was purchased before the marriage. Just keep the house in your name only.

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