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Apparently the husband has never been very good at managing money, but he is also very controlling. Keeping things secret is a part of that control. She probably did sign tax forms in the past under pressure without seeing all the backup documents. In recent years he has filed electronically. That just made it easier for him to hide things. Some of his consulting income comes from foreign companies and that's what she worries he may not be reporting. She has no proof but no longer trusts him.

Hoping in another year she will be out of this situation completely, but for now at least she needs to protect herself as much as possible. I calculated approximate amount of the mortgage based on IRS disputed amount and asked her if it seemed reasonable. I was concerned he might have forged her signature on a re-fi, but she thinks the amount is about right.
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