my ex wife had a mortgage loan by herself and i was not listed as the co-borrower on that loan but somehow I signed the truth and lending disclosure ,would that make me responsible for the loan if she defaulted.no ,haven't done anything else ,there is a loan servicing company that said I signed a truth and lending form but I know 100% I am not on this loan .I have all of the original loan paperwork that my ex-wife signed and her name is the only name on the loan,but they are reporting to credit bureau that it was a joint account. Ocwen Loan Servicing ,LLC.Thank you very much for your time.
If all you signed was the Truth in Lending Disclosure statement, then no, you aren't responsible for the loan on that basis (I don't know if you've done anything else that might make you responsible, but signing the disclosure statement doesn't by itself obligate you on the loan).
My answer does not constitute legal advice and may not be relied upon by anyone for any purpose and does not constitute an attorney/client relationship or an offer to form such a relationship. This disclaimer is intended to be fully compliant with the requirements of Treasury Department Circular 230 and the terms thereof are fully incorporated by reference.
First the answer is no if that is all you signed. Were you guys married when the loan was closed? If so, you probably also signed the mortgage. This does not make liable for the debt either. It is common for mortgage lenders in Alabama to require both married persons sign the mortgage and TILA disclosure. If you signed the promissory note then you would be liable for the debt.
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