My ex is on the mortgage; however, he does not financially contribute to the household. Back in 2017, he stopped paying the mortgage as we agreed upon (as I don't collect child support/alimony), for 10 months. We were referred to foreclosure. He then filed Chapter 13 Bankruptcy and I was protected by Automatic Stay. Since, I have made all monthly mortgage payments on time. I have made payments on time for over a year.
Now, the chapter 13 Bankruptcy has been dismissed. I'm no longer covered by the automatic stay of the bankruptcy. I'm able to afford my monthly mortgage; however, I can't afford the 30k in arrears. I was denied a loan modification. Am I able to refinance under solely my name? What are my options to keep the home?
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