Three years ago I was divorced and in the decree, my ex-husband assumed control of the house and corresponding mortgage. He also agreed in the decree to pay the remaining home equity line of credit (second mortgage) in the amount of 24,000. Additionally, he was court-ordered to refinance this loan to remove my name, which he never did. He has now allowed the house to go into foreclosure (it was recently sold at a sheriff's auction), and therefore, the second mortgage is considered an unsecured loan that needs immediate repayment. The monthly payments were manageable at $150.00/month when he still owned the house, yet he missed several payments per year.

The bank where the loan is held tells me that if the bill isn't immediately settled either with payments or arrangements to pay, a money judgement will be sought and executed on both of us.

Is there any way to fight this, short of taking him back to court for contempt and refusal to uphold the divorce contract? What guarantee do I have that he would uphold the new judgement when he didn't the first time? I realize that family court decrees do little to sway financial institutions regarding who is legally responsible for a debt. What will a bank do to honor a divorce decree? Please advise in regards to Wisconsin law, if possible.