My divorce was final in 1/2009. When we married, he had a home and convinced me to refinance his house. As part of the settlement, I had to sign an Interspousal Tansfer Deed; therefore, he was named the "sole owner". He died on 11/3/11 and he had defaulted the loan payments since 11/2010. Now, the Note holder is suing me for about $120,000.00. Also, I was not personally served on 9/30. The Server left the Summons at the front door. It indicates I have to retain a legal representative to answer within the next 30 days. Can you help me?