Some would say to get a real estate lawyer and discuss your options...however...on the Suze Orman show a few weeks ago...she said there is NOTHING you can do...it's a joint account ...so you have joint responsibility...she suggested to the guy that since his scores were already low...it wouldn't hurt anymore to let the home go into foreclosure...or if you have the money you can pay what he owns in exchange for the mortgage company removing the late payments...otherwise...your doomed...SORRY