You can't get it removed from your credit if you were responsible for payments under a mortage or HELOC: your divorce, and the settlement between you and your ex, has no effect on or power over the lender or over the loan agreement. The lender was not a party to your marriage, your divorce, or the settlement between you and your ex, and non-parties are not affected or bound by agreements or settlements you enter into.Your recourse would be to sue your ex for breach of contract (the settlement is a contract). In this lawsuit, you could seek both monetary compensation for the loss or harm this caused you (e.g. damage to credit) and a court order compelling the refinancing or sale. You could seek the order on what is called an "emergent" (think "urgent" or "emergency") basis to get into court and a get a resolution more quickly. A family law attorney can help you bring this legal action.