<prompt> Human: While married I purchased a home with my ex-wife. In the divorce it clearly states she is solely financially responsible for the house. Since then she has missed 6 months of payments. This is affecting my credit. Is there anything I can do to protect myself if she misses payments? She will not refinance due to the interest rate of 3.25. I would like to purchase a new home but this could prevent me from purchasing another home. Any help would be greatly appreciated. Thank you  <response>: it wasnt written into your divorce documents that she refinance the house to get your name off of it? you have a bad divorce lawyer. is your name at least still on the title of the house?that aside, to answer your actual question, no. you are liable for the house, so you are liable for any missed payments. if you dont want it to hurt your credit score, you will need to cover any payments that she doesnt make. and when it comes to buying your own home, this will be a boat anchor on you, as her mortgage will be included in your debt to income ratio, which depending on the size of the existing mortgage could severely limit the size of the house you could buy. 