The answer may depend in part on whether or not your state is a community property state or not.   Since your husband's chapter 7 bankruptcy filing was done after the last refinance, any debt owed was discharged as to him, but probably not to you.   This may be a meaningless point however if your only assets are community assets (e.g. income) because I don't think the creditor could come after you personally for that as long as you are married.   You should check with a family law or bankruptcy attorney in your state, however, for more details on this.This only becomes an issue if your house is foreclosed on and there is a deficiency owed after the sale.  Many states have anti-deficiency statutes preventing 1st mortgage holders from going after the borrowers for any deficiency, and there are at least temporary federal laws preventing the same thing under certain circumstances. Mark J. Markus, Attorney at LawHandling exclusively bankruptcy law cases in California since 1991.http://www.bklaw.com/