After 16 years, my wife has decided she wants a divorce. There has been allot of credit card debt and student loan debt racked up by her over the years. She wants to take the credit card and student loan debt and allow me to keep the house (first and and second mortgage debt). I am not oppose to this, however, what do I need to do in order to have her name removed from the mortgage so that in the future I can sell the house without any complications?