I try to get rid of my name from home equity loan account.
Since EX was using this loan, He agreed to pay the whole thing when we divorced. But according to loan company , unless EX husband refinance it, they will not be able to get rid of my name from the loan. But EX probably will not have ability to do so because of his bad credit by foreclosure. So I decided to prepare a legal letter by myself with permission from EX ,so that to make sure I will be free from this loan. Our MARITAL residence was foreclosed but sold. And still have liability for 2nd mortgage.
Because I have my own property ( new home), I want to protect my self from this loan liability.
Notarized letter which shows that EX is fully responsible for home equity loan is enough to prevent me from liability claim ? If it is not, what is other choices?