Mortgage awarded to wife Ten years ago, wife ordered by divorce decree to ”pay…

Mortgage awarded to wife
Ten years ago, wife ordered by divorce decree to ”pay and assume” mortgage loan. Wife refuses to refinance and take husband’s name off loan. She still lives in home and is making payments. Because loan is still reflected on husband’s credit, can’t purchase home of his own. Husband wants off loan so he can buy a home. Is there a legal way to force wife to refinance? What rights does husband have over the loan? He has not signed a quit claim deed to the property.

If I do a irrevocable Trust, Do I also have a need for a revocable A/B Trust If…

If I do a irrevocable Trust, Do I also have a need for a revocable A/B Trust
If I do an irrevocable Trust, for Medicaid and or legal protection, do I also have a need for a revocable A/B Trust? Because of the need of guardians, Durable Power of Attorney, Medical Directive and Medical Power of Attorney and etc.