If you are on the note and mortgage, you may have some liability. If the divorce decree makes your ex-husband responsible for the debt on the house, but your ex-husband has not refinanced the property in his own name, you will have legal liability because of being obligated on the note and mortgage. Since the lender was not a party to the divorce case, they have the legal right to obtain a judgment for the money owed against both of the borrowers on the note and mortgage.
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