Nope you owned it. You didn't followup to confirm that a refinance took place. No credit agency will remove that mark for the reasons stated. It may well be that the foreclosure was invalid since you didn't receive notice, but it appears that cow has already left the barn. Your recourse would be against your ex-spouse who failed to refinance and failed to give you the opportunity to prevent he foreclosure.
If you'd like to discuss, please feel free to call. Jeff Gold Gold, Benes, LLP 1854 Bellmore Ave Bellmore, NY 11710 Telephone -516.512.6333 Email - Jgold@goldbenes.comAsk a similar question
You can file a contempt motion against your husband, but that will not let you off the hook with the bank.Ask a similar question