Open Question: Found a home that has equity is there a lender that will do first mortgage and debt consolidation in one loan

Here's the shortest version: My sister got divorced from her loser husband. A judgment was made in the divorce that once the youngest child turns 18 she must give my ex brother in law $20k roughly for the house they lived in together. She still lives in the house and her youngest won't be 18 for another year. Over the summer, my sister took out a home equity loan, my ex brother in law ran her (my sisters) credit report, found out she took out this home equity loan and wants his money now. Remember, their has already been a judgment in the courts that said he gets it when the youngest turns 18. There is still roughly 50k equity in the property and he is only entitled to 20k. Obviously, my sister is upset thinking she will lose the house or have to pay him now instead of when the judge ordered. Any answers would be greatly appreciated. BTW , she lives in Michigan. He has an attorney. (He doesn't have a job, but he has an attorney!) Can he sue and what are the chances he'll win? * Judgment was less than a year ago and the equity in the property has not changed much. The mortgage is in her name only. Always has been in her name, even before the divorce. Did I mention he was a deadbeat?

Voting Question: I was always told that moble homes and jim walters homes were bad, how can u build equity in a moble home?

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Open Question: Bad Credit Home Equity Loan score of 585?

I recently have decided to pull some money from my house for a few different reasons. I have had one of those years where some bills have gone unpaid and have gone to collections, not my best year but I am sure we have all faced this in our lives.

My credit score has hit as a mid score a 585 which is below the guidelines for some lenders to allow an Heloc. My home value is about 500 K, and the loan pay off is about 250 K so I do have the equity in the home for the loan but just not the credit score.

I have looked at a Refi but would suffer a prepayment charge from the lender that is around 8 K as well as another 10 K in closing costs etc....etc... I would like to do a Heloc and I am not really concerned so much about the interest rate on the deal as I will plan to sell the house in the next year.

I am looking for a company that does that kind of lending.

Any suggests my yahoo answer friends.