Unfortunately, you did not mention the balance of the mortgages, or the present fair market value of the property. The lack of this crucial information makes analyzing your situation difficult.
I am struggling to conceive of a criminal law you would violate if you allowed a foreclosure on your property. I suppose someone could misapply Georgia family law involving the non-compliance of a divorce agreement, but that is a distant stretch of my imagination. If the someone who told you that failing to pay your ex-spouse $17,500 within 90 days of the foreclosure was your attorney, then I would tend to believe such a statement. If the person who told you the 90-day rule is not an attorney, or is an attorney representing your ex-spouse, then the legal advice you received is suspect. Consult with a Georgia attorney to learn more about your rights and liabilities.
You mentioned you live in Georgia. See the Bills.com resource Mortgage Foreclosure Georgia to learn more about the mortgage laws in your state.
See the Bills.com resource Georgia Collection Laws to gain an understanding of your rights in Georgia.
I hope this information helps you Find. Learn & Save.