Tom was divorced in March of 2007. Judge ruled that Tom's name still remain on the house where ex-wife resides, whereas she is responsible for maintenance and mortgage payments. Divorce decree states that wife will sell or re-finace within one year (March 2008). Wife did neither and Tom had to take her back to court in September of 2008. Finally, the house is up for sale and meantime, ex-wife is late on her mortgage payments. This is ruining Tom's credit. At this point in time, he is only trying to protect his credit rating and needs his name off the house.