Our divorce was final in October of 2006. The divorce decree stated that he refinance as soon as the divorce was final. He has not done so and I am now receiving collection calls from the bank because he is 45 days past due. I don't have money for an attorney and am quite confused doing the paperwork myself. now, my question.... since I still have all ownership rights (no quick claim deed filed) and he is a co-borrower can i just sell it? The bank told me that I can do that without his permission.... but im a little worried that i could get in trouble. This is the route that I would preferre to go, I don't care about equity, I just want to go on with my life WITHOUT a foreclosure. The man won't return my calls or give me a status on what his situation may be, I'm tired of being nice.