Hi Oergss, thanks for your question. I am not a lawyer, but I've been through a similar situation and can share what I've learned... I essentially had three options:
1. Refinance the mortgage in my name only
2. Get mortgage servicer to release my ex-wife from liability
3. Sell the house by the court ordered date or face continued litigation costs
I found that the least costly option was #2 - Release of Liability. That required me to submit a request to release my ex-wife from liability and complete a mortgage application again, just like when we originally purchased the house. The lender's underwriting people then re-evaluated my creditworthiness based on just my income and expenses alone. Fortunately, I was approved and they agreed to release my ex. The only cost for this was a fee of 1% of the mortgage balance. This fee is not tax-deductible.
You may want to consult an attorney to for legal advice that's specific to your situation. If the potential cost of that is a concern, look up the Legal Aid Society for your area / county for volunteer attorney guidance.
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