Brooksville, FL Divorce Law Firms & Lawyers

     What you signed was actually a quit claim deed, which means you relinquished all of your interest in the property.  However, unfortunately for you that did not extinguish your obligation to the mortgagee/lender who holds the mortgage on the property.  That lender relied on the credit of both your ex and you in making the loan, and since the lender was not a party to your divorce, the lender still holds you liable on the debt.     When you were divorced, the only way to have freed you of this obligation would have been to require  your ex to refinance the property or to sell the property and have the debt paid off from the sales proceeds.     Since that did not occur, you are still liable and this will remain on your credit report until paid in full,  There is the possibility that you are only on the mortgage and not the promissory note, in which case you are not liable for the actual debt.  You would need to check with the lender.    The best you can do is write a letter to the various credit bureaus to explain the situation and in some instances lenders will take that into consideration when evaluating your credit worthiness. Good luck, Cindy Vova info@vovalaw.com    

If you buy anything during the marriage with money that you recieved during the marriage or from a joint account, you and your husband are joint owners. It doesn' t matter if his name is on the deed or the note. It is considered a marital debt (the mortgage) and a marital asset, (the house.)   If you divorce, it is a marital asset. He can refuse to sell but you can petition to partition the house.