We get this question a lot. It sure isn't fair, but it is common. Creditors are not bound by your divorce decree or the court's order as to who is responsible for payment. Rather, you are bound by any enforceable agreement you have entered with the creditor.
That said, recourse is available. I suggest you contact your divorce attorney and advise of your ex's non-compliance. While you can't compel the creditor to honor the terms of your divorce, the Court will likely be inflamed by your ex's failure to comply with the Court's order and take necessary action. The ordinary course of events is to file a motion for contempt against your ex, who may be liable for any damages you suffered. Consult your divorce attorney for the best steps in your case.
All the best to you.
NOTE: This Answer does not constitute legal advice. Every case is fact specific. To render a legal opinion, an attorney must engage in a consultation with a prospective client and review any pertinent documents. This communication does not create an attorney-client relationship with Attorney Amy L. Wells or WELLS LAW OFFICE, INC.
While I agree with Ms Wells that the remedy to this issue is in the divorce court, my experience with the divorce courts can't provide you with much encouragement about the success of these efforts. Divorce judges make these orders all the time, but when a party returns to complain that the required refinancing never took place, the judges hear the excuse "I couldn't get anyone to refinance" and they tend to drop the ball. The judge doesn't have the authority to make a creditor refinance and is reluctant to say "sell the house" or "give the house back."
Hope this perspective helps!
I agree. This happens FAR too often. IF he cannot refinance, the divorce court will not make him sell it, but they should. Even if he sold it there may not be enough equity in it to get out from under it. I am sorry you are in this situation but this economy has hit everyone hard. Good Luck.
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