Yes, will have to go to court first. Mortgage co is different to bank that business loan from. And Loan was reduced to 52K while business was good, but 9 months arrears plus interest, comes to over 60K. And, yes. My ex business partner v vigilent about ridding self of assets and leaving the country soon!!! So, they haven't absolved him and are focusing on me, however, I am here with house and car, Business partner, no assets and not in country. Sofar they won't split debt. Will fight this, but don't have anything to offer them at moment. Tried to sell house since May, hoping to clear my side of outstanding balance, no joy.