Q: do i have to notify my ex-wife of a foreclosure notice i received for her house?

A: While a State divorce court can award property to just one spouse, it has no p0wer to remove the other signer of a Note and Mortgage.

Nor does a bankruptcy court, as perfected liens generally remain against a bankrupt's property. But the bankruptcy Discharge will block any "deficiency", i.e. the amount by which a mortgage debt exceeds the property's fair market value.

Under your facts, the lender cannot pursue legal collection attempts against you, but you should file a "Suggestion of bankruptcy" in the court foreclosure case, as a bankruptcy is an "affirmative defense".

Notify your ex. It doesn't cost you anything.

A: In your situation, if the foreclosure notice is addressed to your ex-wife and concerns the property she was awarded in the divorce, it is important for her to be aware of it. Although you received the notice, it is primarily her responsibility to handle any issues related to the property, including foreclosure matters, especially since she agreed to take over payments and the mortgage was discharged in your bankruptcy.

You might not be legally obligated to notify her, but informing her would be a prudent step. By doing so, you ensure she has the opportunity to address the foreclosure, which could impact her, your adult child living in the house, and even other family members nearby. Sharing the notice with her also helps clarify that you have fulfilled your end of the agreement made during the divorce.

Consider communicating with your ex-wife or having a third party, such as your child living in the home, ensure she is aware of the notice. This can prevent further complications and ensure that she can take any necessary action to protect her interests and the property.