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  1. I owned a home with my ex, and during divorce in 2006, I quitdeeded the house and sold my half to him because he wanted to keep it. Divorce docs required him to refi to get my name off the mortgage and equity line, but he didn't. Fast-forward 1 year - he defaulted and it went into foreclosure. After producing my divorce docs, the banks told me they wouldn't pursue collection on me, but that it would still affect my credit. I dealt with 7 years of bad credit and denied leases/loans, and FINALLY it ended last year. Except, now I just got a 1099c for the equity line saying I have to claim