<prompt> Human: My gf got a divorce 2 years ago and voluntarily gave up ownership of their house. Her ex husband never refinanced and her name is still on the mortgage. Hes been making late payments for the better part of a year now her credit is screwd up. Apparently she cant remove her name until he refinances, and he cant refinance because of the deliquncy. What is her best course of action?  <response>: The divorce decree means nothing if they dont refinance to get your name off the debt. File a contempt motion in family court to force the ex to either sell or refinance. 