One of the debts is mortgage. The last mortgage was a refinancing, my ex used this loan to satisfy his debts and in short, he ruined my credit, etc. I just read through the borrowers copy of the Mortgage. The loan is in his name. In the section entitled "Consolidation, Extension and Modification Agreement (Form 3172 1/01 (rev. 5/01) I am listed as one of the borrowers in paragraph VIII Obligation of Borrowers ..it states that anyone who signs the agreement as Borrower is fully and personally obligated to keep all promises, etc...On page 4, it reads as follows: By signing this agreemt, Lender & I agree to all of the above. NOTWITHSTANDING paragraph VIII Lender acknowledges that (my name) will not be personally liable for repymt...is this an "out" for my paying half of debt ?I am on the title and the deed as joint owner. Previous mortgages were in both names but after ruining my credit, he took this refinancing loan in his name. As I have a security interest in this property I was required to sign however, it his his obligation. After being robbed of so much money in this divorce/marriage, I reread the loan and remembered the loan officer's statement that this actually relieves me of the financial responsibility. Is this valid to support my claim to pay the loan at closing from his half?