My question involves a mortgage in the state of: New Jersey

Good evening.

On June 10, 2011 my divorce from my ex wife was finalized. As part of the decree my wife was to take the house & as part of her taking the house she was to refi the mortgage and get my name off the title with in 18 months.

On November 15, 2011 I relocated to Miami.

I had very limited contact with my ex since then but I never heard anything about the mortgage nor did she ever ask me for money. I am paying child support against $3500.00 in monthly mortgage expenses.

Last month I was served at my house in Ft. Lauderdale with foreclosure paperwork for the house in NJ. As it turns out my ex hadn't paid the mortgage since the day before the divorce was finalized which I found out from the law firm handling the case. The firm did tell me that my wife was attempting a loan modification.

I realize my wife not taking my name off the house as was the order isn't the mortgage companies problem & will still be on the hook going forward due to my ex's negligence.

I have a 12 year old daughter with the ex & the ex & my estranged parents do everything to keep her away from me.

Still not hearing anything about what's going on with the house I called the law firm again today. I was informed that my wife had received a trial modification where if she makes the payments for 6 months they'll make it permanent.

I then asked the para legal how she got the modification if my name is still on the deed, the house was obviously never refi'ed & I was the primary signer on the house. She informed me the modification was being handled by Caliber Home Loans & I should inquire with them on the details.

I then called Caliber, who I have never dealt with nor have I ever heard of them. They have an automated switch board when you call their 800 number that requests the "loan customers" social security number to gain access.

Well I entered my SS# and it pulled up the loan mod account & gave me all the options a loan customer would have. (make payment, balance, ect) I then chose to speak to a rep. When the rep picked up I asked what the status was of this property as I received the foreclosure last month after thinking my name was off everything and now I'm seeing my SS# is attached to the loan modification & how this could happen if I never signed anything regarding the house since the divorce decree.

At first the rep thought if my ex was awarded the house in the divorce that she didn't need my signature. I made it very clear to her what was in the decree regarding my name coming of the deed & the mortgage.

She asked me to hold for a manager so they can pull the file to see if that was the case or if my signature was required. She put me on hold and came back 5 minutes later and said they needed to look into this a bit and could a hold for a bit more. I told her to take her time and I'd hold.

She came back on 35 minutes later with a very serious tone of voice. She asked me, "Are you saying for sure you never signed a modification with us"?

I told her, "Yes" and she asked me again if I was sure & i told her "Yes".

She said, "Someone forged your name then. You're right. You're name is still on the house and mortgage & your signature was required".

She then informed the the manager was turning the modification over to the fraud department. She asked me for a number the fraud department could reach me at because they were going to need to speak with me.

I asked her what was going to happen now and she said it'd be better discussed with Fraud.

I'm not concerned with the house or money as I've moved on with my life in Florida. What I am concerned about is if ex, and my father, who actually forged my signature the modification are on the hook criminally & can they be prosecuted over a modification and what they could be facing.

I expect the fraud department to call tomorrow based on the seriousness of the para legal after they discovered the signature. I'll find out then if he had to present ID in my name when they forged the paperwork to prove identity. At this time I don't know if this was done in an office somewhere or by mail somehow.

Any answers will be greatly appreciated as I have to make a decision if my ex is arrested for this to file for custody of my daughter.

Thank you.