TOC - I have actually spoken to a lawyer about bankruptcy. I came out of the marriage with some debt, and I also have something from my past that has popped up (Old foreclosure related thing from the housing bubble burst). The plan was to protect the house due to it being worth more than is owed. My agreed upon amount isn't a fortune but isn't peanuts either. I did not want to be entangled with her, but it was my clearest path to a favorable settlement.
She is passive and hates conflict. I knew this in the divorce and used it to my advantage. I will need to be very firm on the house at some point I know. She actually did pay up and it is current it appears. But I know what's coming next February, no refinance and the sob story about how her three children live there full-time, and our daughter half the time.
I don't know all of my rights as far as sticking my nose in there to make sure he goes on the market.
She showed up to mediation with a ridiculously bogus market analysis, showing the house at a $25,000 loss currently. I had a market analysis done myself, without telling the guy anything other than that I may sell and I have it at a $75,000 profit. So she has already made one attempt to swindle me out of this home. It was pretty fun pulling out my own analysis at the mediation, however.