okay. I live in Arizona. I got a divorce 10/06. I gave the ex the house, and in the decree it states that he needed tp refinance or whatever to get my name off the mortgage. Well he never did, took him to court, now the FIRST mortgage is in foreclosure. I also have $25128 in unsecured debt that I have not made payments on since 9/06 due to a major pay cut and the divorce. This does not include the 92000 first mortgage and 23000 second mortgage. What I am wondering is.... Do I just wait out the seven years? I have not received anything from attornys concerning the unsecured debt. All of the unsecured debt has been charged off but a couple have been "purchased by another lender". I have no judgements or anything. what are the chances of someone coming after me after 1 1/2 years and would the mortgage company come after me ( like wage garnishment ) I just want to know if it's worth the stress. Also, can I pay a document preparer instead of an attorny to save money. and one last thing- if i do file, can I add my leased car? the lease is up in july but i dont want it anymore. thanks ahead of time![]()

