My ex husband and I owned a house in XXXX, NY. As a result of our divorce, we had sold this house as a SHORT SALE XXXX 2013. Our mortgage company XXXX XXXX used XXXX insurance company for the PMI insurance. After closing of this home, XXXX sold the loan to DYCK O'NEAL collection agency. DYCK O'NEAL then came after my ex husband and I for {$50000.00}. Because of this, my ex husband filed bankruptcy and included this {$50000.00} in the bankruptcy process. Since he was no longer responsible for this, DYCK O'NEAL has now been after me for the FULL amount of {$50000.00}. It shows up on my credit report and is a red flag which is not fair since it was a joint account. My question is why is this {$50000.00} if this was part of my mortgage payment that I paid for four years prior to the short sale. Also, if it was included in the bankruptcy files, why is this still a problem? DYCK O'NEAL has not wanted to work out a deal with me or help me with REASONABLE payments. Now, after speaking with many different mortgage companies and banks, I 'm realizing that this may all be in error or I have been a victim of a scam. The bank representatives told me that they have never heard of the PMI collection agencies requesting this large amount before. I just want to make sure that this is legal and would appreciate information on how to proceed. If proof of my ex husband 's bankruptcy is needed, I can obtain those records. I am attaching the closing documents from my short sale to prove that I no longer have this property and that all paperwork was indeed complete. Thank you for your help. 
