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  1. My spouse left the property in September 2014 and I have been solely responsible for all bills - mortgage, taxes, insurance, repairs - since that date. He has continuously ignored my requests to process a divorce. Naturally, he wants to be bought out, but it is now over 4 years later. What value of the property is used to determine equity? Is it the value at the time he left or current value? Also, can I use the cost of repairs, a percentage of the mortgage, taxes, and insurance, and half of our daughter's student loan bills against what equity he would be owed? We owe around $48,000 in parent plus loans for our daughter's college that I have been paying on my own since 6 months after her graduation in December 2014, so from July 2015 to now.
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