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She just told the judge that she is unable to refinance and a mortgage broker that I know has said that the second mortgage that she has not paid on for the last 2 1/2 years is in collection and that makes a refinance very shaky if not impossible. Don't know about her current debt to income ratio but she makes about 53K/year and needs to refinance 185K. House on Zillow is valued at 255K so there is enough equity in property. Judge has not required her to prove that she has tried to refinance and is not able to