Asked by Cutesmartnerd, Wayland, MI • Mon Nov 7, 2011
My name is on the title of a home purchased by my husband during our marriage. We lived in the home together for 4 years. My credit history was not used in obtaining the mortgage loan. I no longer live in the home. I was just contacted by a debt collection firm telling me my name is on the original mortgage and I am responsible for the debt and the home is going into foreclosure. I am separated from my husband for the last 2 years and am in the process of obtaining a divorce. I do not understand how I could be responsible for the loan when my name was never on it. There were even instances in the past when I attempted to speak with the bank holding the note and they would not speak with me because my name was not on the loan.
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