I currently own a home that has a second mortgage not in my name but in my ex's name. I signed to use the home for collateral. Ex filed chapter 7, and now I have a lien on my home. Hired an attorney, was going to settle, refinance home and pay off the lien. They are telling me I have to pay the lien off first because it's not in good standings, and the underwriters will not loan because of this. I have plenty of equity, but I do not have the up front cash to pay off the lien, does anyone have any suggestions, the lawyer said I could sue ex but the cost would be high and I probably would only get a small amount because of ex's current money problems. Any suggestions, I don't want to sell and if I don't settle now the interest keeps going up, It's like a catch 22 here. My current rate is 6% so the rates these days are great. Any suggestions from anyone would be great.