Hello @Amber Simmons :
I think you are going to find it impossible to make a deal with just the wife unless the wife can contact the husband to sign a deed over to her.
I think the only way to clear title and get the home to you is to have the lender/bank foreclose and get title first, then sell it to you. Otherwise, you will never own it clear.
The only other option, but which might take longer, is to resolve title through the divorce proceedings. The wife could file for divorce and the court might grant her title based on the abandonment. However, I don't think that is certain as the court may not be willing to transfer the asset to her. They might even order that it be sold.
Best of luck,
@Amber Simmons Wife may want to ask the BK court deal with this matter. Whether wife has an equitable interest in the property would be relevant to the BK trustee, and courts have the power to re-title assets by order. Wife would likely have no incentive to do this on her own outside of BK as it would require filing an action, attorneys fees, time she doesn't have, etc.
Thanks @Bob Razler
Thanks Tom Giner