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Good morning. I certainly understand the situation and your concern. No, she is not obligated, unless it is court ordered. In a situation like this, you can present to her that option or take her back to court and seek to hold her in contempt, for failing to comply with the court order. If the 120 days have past and she has failed to act, you can take her back to court. If she is unable or does not want to refi the home, the Judge can order and force the sale of the home, so you can get the money which you are entitled to.
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