My longtime boyfriend and I purchased a house together and he has since moved out. The property has two mortgages. The first mortgage my ex-boyfriend pays by transferring money into my account and the second mortgage is currently being garnished from my pay check. I come to find out the irs has a lien on the house for my ex's back taxes he owes. The first mortgage is under my name only and the second mortgage is under both our names. The bank chose to garnish my paycheck for the second mortgage because my ex is self employed. The deed is also in both our names. I cannot afford the house on my own. How can I get out of this situation? 1) remove the garnishment. So I can afford another place to live. 2)remove the tax lien to short sell the home or settle with the bank.