I was divorced in September 2008. Ex-husband signed a quit-claim deed and I retained the home, along with the mortgage and home equity loan that were in our names. I have been paying this debt on my own since. My ex-husband filed for bankruptcy on Jan 30, 2010. I called 2 bankruptcy attorney’s to see what I had to do to protect myself and my investment.
1st attorney: do nothing, just keep paying the mortgage and home equity
2nd attorney: do a reaffirmation (which my ex won’t sign) or refinance, which may price me thousands of $ to do.
So here’s my questions:
1. If I have to refinance can I go before my ex for 1/2 the costs considering in our MSA there was no notification I had to refinance at the time and he was okay with that.
2. Which attorney should I listen to?
Help! Desperate and running out of time in Florida!

