left my husband in Illinois and moved to florida still married 2009 around 2014 he files bankruphy chapter 7 on our house (both names are on the loan) I did not file. he, then got a loan mod they forgave 47,000. both of us got a 1099-C. ( I didnt claim this as income) I had to send a quick claim deed, when checking my credit score I saw the mod company show up on my credit report. I didnt sign anything I called them. they said he could walk away and I would then be responsible for the loan. we divorced in 2016 after all this was done. the divorce papers state he is responsible for the house. the mod place says none of that matters he could walk away and they will then be talking to me he is unable to do a re-fi. I am trying to protect myself. 1. can he sell it without my signature? do I own the house? can I sell it without him ? what will happen if he dies? should I file bankruphy? what is he stops paying? Im just finding out what on earth I need to do. I would have a difficult time hiring an attorney I live pretty much check to check thank you any help would be awsome.
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