Is she refusing to sign because she thinks you've done something illegal, because she's done something illegal, or just to be cantankerous? If the first, she's right and should file seperately to protect herself. If the second, you should file seperately to protect yourself even if it costs more. If the third, give her the option of filing seperately and show her how much more that's going to cost. As Phil said, do not sign for her.
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