One lady owed $100,000 to debtors, was garnished 10%, then switched to part time.

There are a bunch of reasons people go out and do cash out refinances whether it is paying off debt or buying an older luxury motor home that is priced so well, you would be a fool to pass it up. 

For example, I think we are late cycle, so I lean toward the safest part of capital stack which is debt (or debt free equity).

I don’t want to be accused of not performing because I was uncomfortable when I feel I’m being forced to choose between 1) removing my son from daycare to reduce debt or 2) creating a document I wont be complying with.

It seems from the past threads this can be good for me (borrower re-affirms) and they have additional funds each month to pay this debt. Or

Do you have other debt you want to try to discharge such as credit card debt or medical bills?

You can use any extra money to either pay down your debt or save for another investment. 

Do you have credit card debt or other high interest debt that you need to pay off? 

I have no personal debt or expenses (living with parents), but the broker will not accept my current personal income working under this investor until I have worked another seven months, even with a proof of employment letter.

You can often eliminate the PMI once you achieve 20% equity, either through paying down the debt or having the property appreciate in value.