If it were in Florida, they might even be able to receive an attorney's fee award for a frivolously filed suit (F.S. 57.105). 

So, If you get sued, if they carry through the process, if it goes to trial, and if they win, and if the court awards them a judgment against you, you can most likely file bankruptcy and wipe it all out anyway.

However, from what you've posted, I believe that since you're still on title, you have an ownership interest and since you're still on the financing you have a liability for that debt.From my own experience, my ex quit claimed the house to me even though she was awarded the house in the divorce decree in 2010.

The upside: we crushed our first year, were given award status on Airbnb and VRBO with all 5-star reviews on each of our cabins, got to meet a lot of awesome people, and were able to spend a lot of enjoyable time on Flathead Lake. 

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@Enrique Jevons I used to keep all my Security Deposits  in one account until the housing Court Judge advised me: "That much money in an account would be a Tenant Attorney's dream for any mishandling, with triple damage/punitive awards!!!"

The outcome of the case was the Judge berating the contractor for several hours while catching him in lie after lie due to my binder full of evidence, with an award of $9200.I guess the lesson I learned and am trying to pass on is don't let bad contractors get away with it.