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D has been final for 17 months, and I'm very NC with XWH. I sold my house, and bought a new one last month.

Today I check the mail and there's a check from my old mortgage company for $2500! It says PIF AUTO DISB in the description. I have no idea what it's for, but hey, I'll take it!

Only thing is that it's in both my and XWH's name. So my question is do I absolutely have to have his signature to deposit it? I'd really rather not contact him. He doesn't get any of the $$$ because that property was given to me completely in the divorce. He got our other two rental properties.

So what are my options here? I'm afraid he'll use this as an opportunity to either start breaking NC, he tries at times and I ignore, or use it against me somehow. (He still has financial obligation to me for another two years, but he can be an ass about it at times).

Thoughts??

If it says "persevere" OR "mr. persevere", you're fine. If it's AND you have to suck it up and contact him if you want the money.

It doesn't state either "AND" or "OR" just

XWH Name

Persevere Name

Old Address

I'm thinking the bank will see it as an "AND" in that situation. But it doesn't hurt to ask. It would be great if I could not sign and just do "FOR DEPOSIT ONLY" but it would be into an account with only my name on it, so it's doubtful.

Do you still have an account with both of your names on it? You could write for deposit only on the back and put it in wihtout his signature, I think.

Otherwise you will have to have his signature.

If I were you I''d just sign it myself and endorse it deposit only. Most banks don''t even look unless you''re cashing it. I used to sign my 1st husbands name on checks for him all the time but forgot once and used my own. I wasn''t even an owner of the account and they accepted it without question.

My granddaughter got married last year and she and her husband received many checks as gifts. Most were made out to Mr and Mrs. She was the only one who signed them for deposit. You can''t be sure, but what''s the worst that could happen? The account is only in her name.

[This message edited by much2old4this at 3:11 PM, September 23rd, 2012 (Sunday)]

I got one of those too. I just signed it and deposited it. It went through just fine.

The two "proper" ways to do it are 1. get his signature, or 2. deposit it in a joint account. If neither is easily doable, you could sign his name with a little initial after it to denote you are signing it for him. It is not entirely legit and I would not normally suggest it but since the subject property is entirely yours, you hold "equitable title" to the check even though the "legal title" is in both your names. In other words, it is your money and chances of you getting into trouble are very slim since the "no harm, no foul" rule should come into play.