Can you refinance with HARP 2.0 if you have a judgment on credit report?

There are a number of issues that have to be looked as it depends on what the judgement might relate to. Instead of guessing what that may be, please feel free to contact me or visit my website at www.CallTheMoneyMan.com

I am trying to find out if I can refinance. We met all the harp guidelines but have a civil judgement against us. My husband's pay check is garnished 5% in the state of Louisiana. But we're told by everyone that it would have to be paid off. It is impossible to pay the entire judgement. What else can be done.