January 2007 – divorce final. Divorce decree states that my ex has to assume all indebtness to the mortgage debt and that he had 90 days to do it. I call LaSalle and tell them about my decree. They tell me to send them my decree and they can remove my name from the loan – great!

The mortgage gets sold to Citibank. I call Citibank and ask if they have removed my name from the loan. Nope; that little detail is completely gone. They say my ex can assume the mortgage and they faxed me the paperwork. I pass it on to him.

90 days expires and I take him to court for contempt – he is given another 6 months.

6 months expires and I take him to court for contempt again – he is given 10 months

July 2009 he informs me he is late on the payments. I pull my credit. It says foreclosed. I take him back to court for a 3rd contempt. He is sent to jail for 4 days.

Both of us get a 1099-A from CitiMortgage. They have not issued a 1099-C which suggests they want us to pay the 60K loan deficiency. I call my ex and tell him to expect Citibank to take us to court and try to collect the debt. He tells me he doesn’t have the money and doesn’t care if I have to pay the debt.

Anybody else go through this? What did you do?
I’m resending my decree to Citibank again with a letter requesting they correct the 1099-A. I’m assuming at this point in time; all I can do is show up to court when they sue me and the ex for the balance with my story and hope the judge will honor my decree.
Oh when I did pull my credit; it stated it was foreclosed – original balance and current balance was zero; which suggested at the time that my decree was reconigized.


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