What happens if I file for bankruptcy with a joint mortgage? Posted on July 19, 2011

I had a joint mortgage with my ex-husband. He kept the house in the divorce. I filed bankruptcy because he didn't make the payments and it went into foreclosure. My bankruptcy has been discharged. I would like to work towards owning a home again. I spoke with a mortgage rep who said that I had to wait 3 years from when the property is sold. Ex is still living in the home and MAY attempt to refinance. Will signing a quit claim take my name completely off the property and start the 3 year countdown?

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