CitiBank Mortgage Denial of a Release of Liability, Internet

I'm in the same situation and I would be interested in a Class Action against Citibank.

In many cases the ex-spouse can not refinance to own the property in their name only.

Your divorce decree should be acknowledged by Citibank.

Please seek the advice of legal counsel, preferably one that is familiar with mortgages and deeds.

The person that said you can quit claim the property and release your liability from the mortgage is wrong. Getting rid of the asset has nothing to do with getting rid of the mortgage. Citi is correct, your ex wife has to refi the property in order to release your liability for the mortgage you signed.
(No, I don't work for Citi)

Robert is right about the signature though. She actually should have had you sign off on the modification too and if she in fact has received a modification, someone may have signed your name. It is worth your time and effort to verify exactly what has happened and take steps to protect yourself.

You need your own attorney, not a class action.

Here are some things you need to know about Divorce Decrees. They are worth about as much as the marriage they are dissolving.  Basically what that means is that Citibank(or ANY lender) is under no(that is zero..zip..nada) obligation to abide by any provision that would automatically absolve one party of any responsibility.  The reason is simple.  They did not get a chance to be heard during your preceding so they do not have to be bound by it.   In effect Citibank is right, the only way you could be relived of your obligation is to refinance in your ex's name only.  This is something your lawyer should have explained to you.

Now, this does not say you don't have recourse.  If the order says you must be relived of obligation it is up to your ex to get it refinanced.  If they don't they could technically be held in contempt by not following the order of the court.  If your ex causes you financial harm because of them defaulting on the house.  That is where the Decree comes into play where you would go after your ex in court for any damages.

I will also say that depending on the "Government Program" that may be legitimate and not really a "refinance".  But if they signed any thing in your name..that is an entirely other issue that you need to deal with.  So this is something you should consult a lawyer on. 

Also, before you decide to do anything such as a "Quit Claim" you need to do research.  These are answers that the people at City Hall may try to give you.  But they generally shy away from any "legal advise", so again a lawyer is your best bet.

After reading your report jon, I could relate to your frusteration. I also am tied into a mortgage with my ex-husband. I was worried his financial situations could negatively affect mine. So this is what i did: I went to my City Hall and filed a "Quit Claim" it protects you and the other party from any future bad financial situations to effect your credit. You can look it up on the internet or talk with someone at your City Hall. Its a little cheaper than any Lawyer. Know your rights because you have them!! Good Luck.