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You should speak with an attorney in your area. If both of you were the owners of the property and the bank gave a mortgage to only one owner then the bank could only foreclose on that owner's half interest. You would still own your half with the bank as your co-owner. If you didn't sign the mortgage then it shouldn't affect your credit.

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Q: You were on the deed when you and your sister got the house in 89 she refinanced several times you never did a Quit claim deed and did not live there but the house forclosed will that ruin your credit?
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