My ex-wife and I have been divorced for over 2 years. We filed all paperwork for the divorce without the use of a lawyer. Now I am stuck on her mortgage. She claims that she has tried to refinance and has been turned down. She does not have good credit inorder to file a deed of novation. She is late on payments and is killing my credit. I recently tried to get a small loan on my own and was turned down due to being linked to her mortgage. I need to get off. Please help me with a solution to this problem.