Dad333, Just saw your clarifications. They raise more questions. You believe you are on title, but we can quickly double check that if you provide me your names and the address.
If you are on title, the next key question will be how? There are multiple ways for married couples to hold title, each with different implications.
You say you were "served" for foreclosure, send me a copy of that document. Many times people think they've been served when they haven't. You may or may not have been. If you don't have a way to scan it as a pdf and attach to an email, fax it to me at 888-885-7284.
And I assume the reason just she was on the refinance was because your credit at the time was inadequate? And I assume that like most divorce's your credit has got worse since then? Is that true?
Regardless of what we find out, I still have the same fundamental question, "what do you want from the bank?". What is your objective? Having been through a divorce myself the past 5yrs I know that even the answer to that question can be fairly complicated because it may involve a combination of factors... finances & emotional. You need to talk with someone you can trust. Make that decision asap. Happy to be that person.
P.S. I'm on my 4th divorce attorney and have been referred to several others that if/when needed I can refer you to. Ditto when it comes to real estate attorneys. I empathize with you, before you go pay someone $350-$450/hr... let's see what we can figure out together.