My house had a 1st mortgage in my name; a second mortgage in my ex-wife's name. The house was awarded to me in a divorce settlement. This house has been foreclosed - the 1st mortgage discharged in MY chapter 7 bankruptcy. The second mortgage was not included in the chapter 7. The 2nd mortgage holder is coming after my ex-wife for what is owed. An attorney for my ex-wife has told her she cannot include this 2nd mortgage in a chapter 7 bankruptcy she is filing because it is now UNSECURED DEBT.