Thank you so much Mr. Knowitall,

That makes me feel so much better, as the mortage is in my name only. He had been making the payments directly to the bank (direct deposit) instead of to me as it was easier. Rather than keep the house we lived in, the agreement said he was to give me so much towards a house. So if I understand you correctly, this is good because the mortage does not have his name on it and he therefore does not have an obligation to the bank, but rather to me.

Yes, a divorce lawyer is involved. She keeps trying to make a new arrangement, but this time with solid collateral (his homestead condo in Florida which has 2.6 million in equity in it). If he won't agree to this, then we know he does not intend to pay off his debt to me and I will collect the judgement. Her concern is that collecting a judgement is a real pain and she's trying to avoid that for me by getting this new agreement. You brought up a good point about finding his assets. Why can't my attorney petition his financial records and see where he is hiding stuff? Or is that not typically done in divorce court, only in banruptcy court? And how hard is it to find hidden accounts, assets overseas? Can't that all be tracked easily?

What strategy do you think my ex could be mulling over? Why the waiting game? Is it to my benefit to get this judgement before he files for banruptcy? thanks so much for the assistance and support. You are greatly appreciated!