I signed a quit claim deed prior to our divorce and he never refinanced. I know I'm still legally responsible for the debt as a co-borrower. He has missed the last 10 payments and recently was approved for a loan mofication with out my knowledge. He asked me to sign some papers, but I refused. I want the house to go into forclosure so it will not count toward my debt to income. I know the forclosure will still be on my credit, but it's been ruined already from his late payments over the last few years. When I called the bank I got 2 anwsers. 1. with a quit claim deed and divorce papers they can approve loan mod. 2. that a paper was signed with my signature (I didn't sign) so forged maybe. does the bank need my signature for the loan mod to be approved?