Unsecured debt cosigned with Ex-wife who has since filed bankruptcy Other Debt

She should have added the debt you're paying to her BK.
By paying the $20 each month, it isn't helping you or her.
The $20 a month keeps the SOL from tolling.
The debt is unsecured, so its nothing they could really do, but harass you.
No, you don't have to pay.
Sure, your credit gets dinged, but at least you'll have a couple more dollars to buy food for your belly.
You're effectively keeping this lousy debt alive, rather than allowing it to die.

I'd see if she can add it to her BK.
If she does, it goes away.

You might also wish to investigate BK, if things aren't going that well for you, OP.

 

I have no idea. Those credit bureaus run their own credit scams and traps.
I don't have any debt, haven't had any debt for 20 years.
You can contact the big three credit bureau scammers and inquire - Experian, Trans Union, Equifax.

Experian

http://www.experian.com/

Equifax

http://www.equifax.com/home/en_us

Trans Union

http://www.transunion.com/

I hear it takes 7 years, but with those credit bureau scammers, they enjoy ruining the lives of people, some folks tell me they screw you for 10 years (or more).
I honestly don't know.

You did it for them, buddy.
You paid on the debt.
Every time you pay them a penny, the SOL stops tolling.
They're so crooked, some of those debt scavenger collectors pay a nickel or a dime, just to keep the suckers on their hooks.​

 

One thing I should clarify on a joint debt if one person files bankruptcy it may relieve them of the debt but not the other debtor. You still owe it.