My question involves bankruptcy in the state of: Ohio I currently live in a home with my son, and this was previously shared with my ex spouse. I was to refinance by a certain time, or we were going to sell ( I am not on the mortgage only the deed), there is a second (home equity loan) attached. The housing is such that we cannot sell home to pay off both loans, and my ex has decided to file bankruptcy, (he has been paying about half of the loan payment up until a couple months ago). My question is this, since he does not live in the house, will the bank want me out much sooner as in like 30 days? Also, I remember signing off on the home equity loan, however it doesn't show up on my credit report...am I liable since I was never on the 1st mortgage (I am on the deed)? My ex has not yet consulted an atty, and we are now 2 pmnts behind on the 1st, not behind on the second, but will be. There's not much equity (about 8000.00 and the 2nd is for 25000.00), so a quick sale won't help. Any advice is appreciated, I'm worried that he'll file bankruptcy, I'll be out on the street, then the 2nd mrtg bank with the lien, will come after me. Also, HUD told him bnkrptcy not foreclosure for the house, do you agree? I'm of course concerned, and would appreciate any advice at all.