Whether one spouse can be held responsible for mortgage debt incurred by the other spouse after the divorce is finalized depends on various factors, including state laws, the terms of the divorce decree or settlement agreement, and the specific circumstances of the debt. Here are some considerations:

1. **Divorce Decree or Settlement Agreement**: The divorce decree or settlement agreement typically outlines the financial responsibilities of each spouse, including the allocation of debts such as mortgage debt. If the divorce decree or settlement agreement specifies that one spouse is responsible for the mortgage debt, that spouse may be held accountable for any debt incurred after the divorce is finalized.

2. **State Laws**: State laws vary regarding the extent to which spouses may be held liable for debts incurred by their ex-spouse after divorce. In some states, spouses may remain jointly liable for certain debts incurred during the marriage, regardless of the divorce decree. In other states, spouses may be absolved of liability for post-divorce debts, especially if the debt was incurred solely by one spouse and not for marital purposes.

3. **Jointly Held Debts**: If the mortgage debt is held jointly by both spouses, both parties may remain liable for the debt even after the divorce is finalized. Lenders are typically not bound by divorce decrees or settlement agreements and may pursue either or both parties for payment if the mortgage goes into default.

4. **Individual Liability**: If the mortgage debt is in the name of one spouse only, that spouse is generally responsible for the debt. However, if the other spouse is named on the mortgage loan or if the property is considered marital property, there may be circumstances in which both parties could be held liable for the debt, especially if it was incurred during the marriage for marital purposes.

5. **Fraudulent Conveyance**: In some cases, if one spouse incurs significant debt after divorce with the intention of avoiding their financial obligations, it may be considered a fraudulent conveyance. Courts may intervene to hold the responsible spouse accountable for such actions, especially if they are deemed to be in violation of the divorce decree or settlement agreement.

Overall, whether one spouse can be held responsible for mortgage debt incurred by the other spouse after the divorce is finalized depends on various legal, contractual, and factual considerations. It's important for individuals to understand their rights and obligations regarding post-divorce debts and to seek legal advice from a qualified attorney familiar with family law and debt resolution issues.

Generally, once a divorce is finalized, one spouse is not responsible for mortgage debt incurred by the other spouse after the divorce. However, there are some exceptions and considerations:

1. Joint ownership: If both spouses remain co-owners on the property after the divorce, they may still be jointly responsible for the mortgage debt.

2. Assumption of mortgage: If one spouse assumes the mortgage debt as part of the divorce agreement, they will be responsible for the debt.

3. Refinancing: If the spouse who keeps the property refinances the mortgage after the divorce, they will be responsible for the new debt.

4. Court orders: In some cases, the court may order one spouse to be responsible for the mortgage debt as part of the divorce agreement.

5. State laws: Some states have specific laws that hold both spouses responsible for debts incurred during the marriage, even after divorce.

6. Mortgage terms: The original mortgage agreement may have terms that hold both spouses responsible for the debt, even after divorce.

To clarify responsibilities and avoid potential issues, it's essential to:

- Review the divorce agreement and property settlement

- Understand the mortgage terms and any assumptions or refinancing

- Seek legal advice if necessary

Remember, specific circumstances and state laws can impact responsibility for mortgage debt after divorce.