I just caught the date...yes, sad, but you have been doing SO well!! Look at all that you've accomplished in the mean-time! If you start to look now, how bad is his credit mess? I still have my x on my car loan (I'd have to refi to get him off), so if he doesn't pay his property taxes on time (and he doesn't), then it effects me. You'd think a year after D it wouldn't, but don't be surprised if there is still something lurking afterwards.