I bought a house in 2006. When I first purchased property (a house and just under 5 acres) I got a 1st and 2nd mortgage at Wells Fargo Bank 6% fixed on first and like 10.5 on second. My then girlfriend insisted on changing mortgage to a variable with a minimum payment due that does not even cover the interest. She wanted this to save money while she was in school. She also ran a credit card up to $18k and another up to $3,500. My credit score went from 750 to 450. I also put her name on house I thought it was in case I died but I have to have her signature to sell house. My question is how hard will it be for me to get out of this mess. I have already paid an attorney $5,500. Also when the credit was dried up she first asked me to leave me house and move in with my mother which I did for her son's "security" she was going to take over the payments she made 1 payment then moved in with her new boyfriend. What a mess!!!