When my ex - wife and I bought a house her credit was bad so the mortgage and deed was in my name only . She was awarded the house in the divorce . She told my she was going to cancel the homeowners policy and get one in her name . She never did this . The policy automatically renewed every year . She remarried about 2 years ago . About a year ago she called Liberty Mutual under her new last name claiming to be my current wife and made changes to the policy . 6 months ago she sold the house , canceled the policy and closed her back account that liberty mutual was drafting from for the policy . 2 months ago I received a collection notice for the balanced that was left on the policy . She is now refusing to pay the balance owed .