CorrectWelcome back, Andrea. After you deleted three threads last night, I wasn’t sure if you would return to post your question again.
For others, a quick summary of what you said to LdiJ and me last night:
You divorced in 2009 and your ex kept the house but he stopped paying on it in 2013 and abandoned it. The lender pursued you for payments and you paid on the house for 4 years, trying to refinance but being told you couldn’t because you did not own the house.
The house was foreclosed on in 2019 and sold at auction for $17,000. The balance on the mortgage loan was $64,000. The judgment against you is for $120,000.