Real Estate Constultant/REALTOR(r)
I'm sure this is probably a pretty common type of fraud. Many banks now require the mortgagee to give verbal approval over the phone for a third party to discuss the mortgage. This bank obviously didn't do that. If you call the bank and tell them about the fraud, it will cut her off. Again though, if she has your belongings, who knows what she'll do to them when you report the fraud.
It sounds like you may have a pretty big stick over her. But, the reality is also that in the big picture of the mortgage mess the whole country is in, I'm not sure a whole lot would be done even if you did report her. Maybe her attorney will respond when you allege mortgage fraud. Just some things to think about for when you do talk to your attorney.
I am truly sorry to hear about your troubles. It sounds like it will be long and drawn out to get all the wrongs sorted through. Unfortunately, though, this is outside the scope of what we are trained on as real estate agents.
Wishing you the Best of Luck,
Realtors can only offer advice and answer real estate related questions. For a legal advice regarding the loan modification, foreclosure, or your divorce you need to seek advice from a lawyer/lawyers.