Legal Question in Real Estate Law in Florida

Co Owner of real property contemplating Bankruptcy

I purchased an investment property, intending to flip for profit, with another person 3 years ago. The property has recently been rented. The other party is now contemplating bankruptcy. The property has been quitclaimed to me solely. We have no other paper trial, such as a contract between owners, besides recorded documents and bank statements. The problem is the property will sell at a loss if ever sold. Historically, I have paid more of the costs. Starting with the down payment, then the primary financing was pulled from a HELOC on my primary residence. 2 years ago the other owner who was still on title at that time, encountered financial issues, so I paid off her credit card in excess of $20,000, that represented expenses on the property. We had a verbal agreement that she would pay as expenses occurred, but it turned out she was charging her share, and could no longer of manage the minimum payment. The other party has agreed to pay her share and reimburse me for her credit card on my HELOC. Unfortunately, she has been financially irresponsible and is contemplating bankruptcy again. I fear if she agrees to repayment prior to filing BK, she can have her obligations to me dismissed accordingly. What are my options?

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