<prompt> Human: I am divorced and have a house with my ex-husband, there was no division of assets, so now every time he pays the mortgage late my credit takes a hit. I have pleaded with him to refinance and buy me out, this would significantly cut his monthly payment, he wont do it. Any suggestions to try to force his hand? Is a re-if the only answer?  <response>: Best way to force his hand is lawyer up. 