
Quoting
flyingron
Yes, not in these days of minimal interest rates, back in the spiralling rate hikes of the 70's, they were really more involved in tracking off-the-books assumptions. The problem is to make sure you have the information to make sure the payments get made. My previous post was based on the payments not being made.
I'm still confused as to why refi is difficult. If your divorce says you need to refi it, you may be in contempt of that order (though this is often not enforced). Your ex was a fool to deed the property over without also getting rid of the mortage. If she indeed is using a chapter 7 mortgage, it's not care why she cares at this point. The loan is going to be discharged from her responsibility.