In many jurisdictions, debts incurred by one spouse before the divorce typically remain the responsibility of that spouse unless both parties agreed otherwise, or if certain circumstances apply, such as joint liability or community property laws. However, divorce laws can vary significantly depending on the jurisdiction and the specifics of the situation. It's crucial for individuals facing divorce to seek legal advice to understand their rights and obligations regarding mortgage debt and other financial matters.

Generally, one spouse is not held responsible for mortgage debt incurred by the other spouse before the divorce, unless:

1. Joint ownership: Both spouses are listed as co-owners on the property and the mortgage.

2. Community property: In community property states, both spouses are equally responsible for debts incurred during the marriage, regardless of who incurred them.

3. Pre-marital agreements: If there is a pre-marital agreement (pre-nup) that specifies responsibility for debts, including mortgages.

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

It's essential to review the specific circumstances, divorce agreement, and local laws to determine responsibility for mortgage debt. Consulting with an attorney or financial advisor can provide clarity and guidance.