I am sure you are aware of this, but definitely need to be taken off the mortgage if you get a D. You cant be tied to that mortgage anymore as it prevents you from getting your own loan. Also, what happens if she does not make payments? - The bank does not care that you are divorced, your name is still on the mortgage. She can either refinance or sell the house. A quit claim deed wont do it. Sounds like you are going to have to get an L involved if she refuses to do either. Your W sounds like she is going to find that there are indeed consequences for bad decisions.
I wonder if your W has been keeping journals for now and if they reflect similar to those of 9 years ago. It is hard for you to desire a W that has repeated A behavior.
BTW... Have you ever visited the Ruby Mountains in Northern Nevada near Elko? I might be stopping by there for a day or two on the way to Utah. I still worry about whether I can take this vacation as I may be pulling the final trigger on a D soon and I may not have the funds to go. I know that this is a trip I will do in the future if I cant do it this year.
