<prompt> Human: I really dont want to give too much personal information, but the past few days have been the most difficult in awhile. I spent the better part of yesterday a crying mess. I havent really slept in the past two days so I wind up just staring at the ceiling with my mind racing. My wife and I have both our names on the mortgage and wanted to know after she passes how I may go about getting her name removed? Thank you for your time. Oh and we live in Tennessee. I initially posted this in rlegaladvice and was told to check here as well. We have credit card debt and she has some credit cards in her name that from what I have read, Tennessee is a state where the surviving spouse does not have to incur that debt but was unsure if those creditors could come after our house in some way. We have a young child and her life is going to be difficult soon, so I do not want to have to remove her from familiar surroundings in the near future. I have a great support system in place and I realize there will be a lot more to deal with, but this is something that has gone through my mind at night quite a bit. Any insight is appreciated.  <response>: My heart goes out to you, and Im sorry that your brain is full of such worries during such a terrible time. Hopefully, we have an answer for you.First, you need to see how the title to the house is held. This would be on your purchase paperwork, or you may be able to find out from the county or your mortgage company. In Tennessee, you may own your house in either:Tenants In Common,Joint Tenants With Rights of Survivorship, orTenants by The Entirety.Most married couples hold the title to their home as Tenants by The Entirety. Hopefully, this is what you have, because it protects the property from creditors that are only owed by one of you. Heres a great reference to understand: Prayers for your family. 