When me and Eric divorced I left him with everything. Including the house. I am the primary on the mortgage loan and Eric is the cosigner.

In our divorce papers we had it written up that he agreed if he was ever 30 days late making a payment he would refinance.

Well... he paid March's payment on March the 30 and it came back insuffecient. The payment wasn't actually "paid and cleared" unitll April the 7th. I now have this 30 day late payment on my credit.

Me and Eric are not speaking. We don't get along at all!!

I called a lawyer and he told me we can just file a contempt motion in the courthouse and take him to court... but he was asking WAY TOO MUCH money for this case. And after talking to him it seems like something I can take to court without actuall hiring a lawyer.

I typed up an email that I want to send to Eric to let him know I am aware of the 30 day late payment and he needs to refinance. But he is such a stubborn knucklehead and I know he is going to make this as hard for me as possible...

I really really want to do this out of court. But if worst come to worst ... does anyone here know the best approach to this to where it won't cost me a lot of any money?!?!?