Legal Question in Real Estate Law in California

If the property actually was dispossed of at a foreclosure sale, then it is too late to do anything as to your credit. You can write to the various three credit reporting companies and state what occurred, but they normally refuse to do anything ot improve your credit. You might be able to enter a objection to that part of your credit report but no one getting a copy of it wil pay any attention to your version.

All you really can do is sue your ex-husband for the $20,000 and thedamage to your credit rating [it will be difficult to show the damage--you would have to show that you were going to buy a house and how much more in interest you would have to pay because of the reduced credit rating]. But I assume he probably has no money; you might have the satisfaction of Small Claims Court judgment against him whihc can be renewed every ten years forever..