She would really be resetting her life back to the 20's, and that's tough to do.OTOH, if they have built up a nice fat nest egg and that's getting split, and she has a good paying job that easily qualifies for the new loan, and she's OK with continuing that until she decides what she wants to do with the rest of her life, doing the refi and staying put makes sense.As for your involvement?

What's the reason for not wanting google voice to go to your cell or landline?

Note, they are not paying rent (so you aren't collection double rent), they are paying to get out of the contract like you do with cell phone companies.

The judge throws up the big fat ZERO.

I feel relationships are so much more important than a "fat" bank account.

#RULE 2: Keep your appointments.Our cell phones have Caller ID.

My cell phone is ###.

Look at my profile for my direct cell number.  

If you have tried to reach them, left voicemails, but have not had any response, you might be able to see if you can speak to them in person at their office, or ask the receptionist if they have a cell phone that they can connect you to.

My cell # is in my profile.