Obviously, the bankruptcy proceeding automatically stays the foreclosure case from the date the bankruptcy is filed. If your husband, under the terms of the divorce decree, is responsible for all of the expenses for the house, you will want to consult a bankruptcy attorney to determine if you need to file a claim or some other motion to protect your interests in the bankruptcy case.
Ultimately, your liability regarding the insurance or other expenses regarding the house will be determined by the provisions of the divorce decree. But, that will be between you and your ex-husband. If your ex-husband does not accept the responsibility, he will have violated the terms of the divorce decree and could be subject to further litigation by you.
Mark J. Albrechta
If your divorce decree, quit claimed your portion of the property to your ex-husband on a specific date, then you can obtain an attorney to fight with the lender regarding your responsibility as you have been removed from the property. This may not absolve you of the financial obligation of the note and mortgage. The verbage contained within your divorce decree is important regarding your financial obligations regarding the mortgage, credit cards, home equity lines of credit etc.
Check with your divorce attorney and possibly a bankruptcy attorney to determine the impact to you.
Brock Realty Inc.
The lender will get insurance if you stop paying for the hazard insurance.
You and or your ex will may be better off doing a Short Sale -- and you may be able to get up to $3,000 as an incentive.
I can help you with a Short Sale at no cost (the lender will pay the Realtor fees).
All the best,
Alma Rose Kee, PA