Q: How can I get my name off of my ex wife's mortgage?
I've been divorced since July 15, 2011. My ex wife remarried soon after that and I know she has the money to refinance the home. The problem is is she will not talk to me, the bank won't budge, and nobody has any answers except yes, you'll need to refinance the house. My credit is being ruined and I don't want to file for bankruptcy and ruin what credit I have left. I didn't have a lawyer at the time of my divorce but she had one. He failed to mention that this could be a problem for me down the road.
A:
You failed to tell us important information: who has the house? Assuming your ex was awarded the house in the divorce, she should have been required to refinance it.
I'm also assuming that both of you had title before the divorce, and that both signed the mortgage note and the mortgage.
It looks like you should get court authorization to sell the house. If there is no equity, you will also need the bank to approve a short sale.
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