When your husband and his first wife bought their house, they probably selected a home that they could afford together based on their combined income. After the divorce, however, the ex-wife can no longer depend on ex-hubby's income to make the house payment. She is obviously struggling financially, but it was probably foreseeable that she would struggle to make the payments at the time of the divorce. It was also foreseeable that any failure by the ex-wife to make timely payments would affect your husband's credit rating. Your husband should probably have a friendly (non-threatening) conversation with his ex-wife and try to resolve the problem concerning the ongoing destruction of their respective credit ratings as the result of repeatedly late house payments. Perhaps they could mutually agree to sell the house and your husband could help his ex-wife to establish herself and their son in housing that is far more affordable given the circumstances. Perhaps your husband could pay his child support obligation sooner so that those funds are available to make the house payment on a timely basis. Any number of amicable solutions can be devised to resolve the problem. If all else fails, your husband may retain the services of an attorney to examine the provisions of the divorce judgment to determine if some form of post-judgment judicial remedy is available under the circumstances.