I've been informed that I have to file a motion that her bankruptcy is to be treated as refinancing on my part, as she will no longer be liable for the mortgage.
What do you think? and how hard would it be for me to do this on my own? It is quite simple for me really - she signs that deed and I won't contest her BK. If she doesn't then I will have no choice, but to fight her BK and do as you've stated and ask that her debt to me not be discharged.
BTW, I tried to sell the house, but her defaulting on that 2nd loan ended up in court and I had to pull the house off the market until that got resolved. I can't even sell the house without her signing off on the deed..

