My husband and I filed a joint BK 7 petition last year. He reaffirmed the mortgage debt, while I did not. (We have not lived together for the past 2 years and he is living in the residence). After running my free annual credit report, I have found his payments on the mortgage are sporadic and I am certain that they are going to foreclose on the house soon. I have 3 questions:
1. If the mortgage was discharged under my name, why is it still being reported to the credit bureaus under my name?
2. If he reaffirmed the original mortgage, and because I am listed on it, am I going to be responsible for any shortcomings in foreclosure?
3. How do I get my name off of the mortgage? Refinancing is not an option.
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