<prompt> Human: I live in NJ and need help with Foreclosure information. I was married in July 2000. Three years later, September 2003 my mother passed away and I was given her home in the inheritance which had a value of about 275,000 . My name was the only name on the deed. My husband and I opened a home equity line of credit with Wells Fargo under both of our names for 100,000 in May 2004. I was a stay at home mother and he had the income to pay for the payments. That line of credit was quickly used and in June 2005 we had to increase that line of credit to 200,000. When that line of credit was used up, Wells Fargo took the 200,000 line of credit and all of our credit card debt and turned it into a NON PURCHASE MONEY MORTGAGE in May 2007. The total came to a little over 254,000. In 2012 my husband and I divorced and I was left with 95 of our debt. When you have no money, you get a crappy lawyer. Since this was my home to begin with, I stayed living here and he left. The mortgage was mine, under divorce decree, and I was to refinance his name out of it. I tried to get a modification a couple times but Wells Fargo wouldnt take his name off without a Quit Claim Deed. He wouldnt get the Quit Claim Deed in order for me to get a modification. Anything I tried to do, I had to have his signature because his name was on loan too and they wont just drop his name.Foreclosure began and I filed for bankruptcy and was granted a discharge including the mortgage in October 2013. The house at time of filing had a Comparative Market Analysis done over the phone, the realtor never came out to see property a value of 235,000 was estimated. I have not kept up with maintenance since I was under the belief I was going to lose my home. Why should I spend what little money I have on something I was going to lose? Zillow has home listed at 230,000 today. But with everything thats wrong with it, I would guess its worth to be about 200,000. After receiving the Notice of Intention for Foreclosure I received the SummonsComplaint. After researching and doing everything on my own no lawyer - I replied and contested the foreclosure. At the same time I filed for a Foreclosure Mediation in September 2014 with Wells Fargo which was denied because once again it needed both the now ex-husbands and my signature. He didnt want anything to do with trying to save my home or putting his name as responsible for the debt. A trial date was set for May 18, 2015. In late April 2015, just weeks before the trial date, I received a letter from the lawyers handling the foreclosure for Wells Fargo stating that they request to reopen the deadline for dispositive motions and they want to adjourn the trial date of May 18, 2015. To quote the letter - This extension shall provide the parties and the Court with an opportunity to fully address and resolve the contested issues of this foreclosure prior to having to appear for such trial. I then received a letter a week later that the deadline has been re-opened and the trial has been adjourned with no new date.In a nut shell: Its not a typical foreclosure story because it was My house, our debt never an actual mortgage but the Non Purchase Money Mortgage, divorce, foreclosure process started, bankruptcy, now postponed???. Wells Fargo would never just let me take over the mortgage, do a modification, or even participate in the Mediation process because of the ex-husbands name. I even said I would take on a modified version of the debt even though it was discharged.What am I to make of this? What are my chances? What do I do next? Most importantly How do I keep my home? Thank you for any help or advice.Ok I get what you all have said. Ive been through this for the past 5 years. Nothing I havent already heard. Hindsight...I know. Now my biggest question is: The trial was set, and only weeks before the trial, the attorney for Wells Fargo asks the court to adjourn the trial and re-open to resolve issues. This is not something I have seen or read about in all my researching. Ideas?  <response>: Heres the TL;DR version:Got married, went broke, divorced, went bankrupt, husband does not give a schitt, house up for foreclosure. What do I do now? 