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Divorce does not alleviate you of liability on a debt; neither does a quit claim deed. Nothing changes or supercedes the original contract (note) or the lien (mortgage) which reinforces it. Your mortgage lender does not care about your marital status. The only way you can terminate your liability is to have your ex- refinance the mortgage loan in his/her name only. Deeds don't have anything to do with debt. A deed conveys your rights to property. You received the deed when you closed your loan. That is how and why you were able to move into the house, rent it out (if you chose), sell it, etc. If you sign a quit claim deed, you are relinquishing (quit claiming) your rights. You cannot relinquish the debt. Only the creditor can do that. Most likely, the lender was always reporting the debt as yours. They will continue to do so as long as the loan has a balance, because you retain liability.

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